Your Road to the Right Auto Loan Starts Here
Upgrade your ride, or just your rate. New auto loan rates as low as 4.99% APR† and available terms up to 96 months!
Auto Loans That Fit Your Lifestyle and Budget
Auto Loan
Get behind the wheel with confidence thanks to competitive rates, flexible terms, and local service that makes financing your next vehicle simple and affordable.
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Auto Refinance
Lower your monthly payment or interest rate by refinancing your current auto loan that’s with another financial institution to put more money back in your pocket.
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Lease Buyout
Turn your leased vehicle into a long-term asset with transparent financing and competitive rates that make buying your car at lease end simpler.
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Last Updated on April 1, 2026April 1, 2026April 1, 2026April 1, 2026
| Term | APR† | |
|---|---|---|
| 36-60 Months | 4.99% | |
| 72 Months | 5.49% | |
| 84 Months (min. $25,000) | 5.99% | |
| 96 Months (min. $50,000) | 6.99% |
| Term | APR† | |
|---|---|---|
| 36-60 Months | 5.49% | |
| 72 Months | 5.99% | |
| 84 Months (min. $25,000) | 6.49% |
| Term | APR† | |
|---|---|---|
| 36-60 Months | 5.99% | |
| 72 Months | 6.49% | |
| 84 Months (min. $25,000) | 6.99% |
| Loan Type | Term | APR† | |
|---|---|---|---|
| Motorcycle Loans | 60 months | 5.99% | |
| Motorcycle Loans (min. $25,000) | 72 months | 6.49% |
Car Loan Payment Calculator
How much will your car cost each month? With this calculator, you can estimate your monthly payment based on your expected loan amount and interest rate.
Your Auto Loan Benefits
When you choose First Harvest for your auto loan, you get valuable benefits that make financing your dream vehicle easier.
Stress Free Car Buying
Our AutoSMART Shopping Tool simplifies your online shopping experience.
Insurance and Protection
You work hard for your money and even harder to keep your budget on track. So why spend too much on Auto Insurance—maybe hundreds of dollars too much? First Harvest offers a variety of insurance and protection programs to go along with your auto loan. Programs include:
TruStage Auto Insurance Program offers a powerful mix of savings and popular, member-friendly benefits.
Gap Plus Protection may reduce or eliminate the gap between what is owed and what is paid by insurance in the event of an accident.
Mechanical Repair Coverage may help limit unexpected, covered repair costs as your vehicle ages.
AutoSMART Shopping Tool
Members can shop stress-free and research local available vehicles today!
View the inventories of hundreds of dealerships.
Research or explore your potential vehicle’s make, model, and price from the comfort of your home.
Get pre-approved for financing before visiting the dealership.
Frequently Asked Questions
Loan amounts vary based on the vehicle value, your credit profile, income, and ability to repay. Financing limits may apply. Getting pre-qualified before you shop can give you valuable insight into how much you might be eligible to borrow. Get started today to see if you pre-qualify with just a few clicks!
At First Harvest, we offer members flexible terms for new purchases up to 96 months and used purchases up to 84 months.
In most cases, a down payment is not required when financing a vehicle. However, making a down payment can offer significant benefits, such as:
- Lower Interest Costs: By reducing the amount you borrow, you’ll pay less interest over the life of the loan.
- Smaller Monthly Payments: A down payment decreases your principal balance, which can make your monthly payments more affordable.
- Improved Loan Terms: Lenders often view down payments as a sign of financial stability, which may help you qualify for better rates.
Even if you choose not to make a down payment, you’ll still need cash on hand for certain upfront costs, such as taxes, tags, and title fees. These fees can be rolled into your loan, but doing so will increase your total loan amount and the interest you pay over time.
Yes. There are no prepayment penalties on First Harvest auto loans. Paying off your loan early may reduce the total interest you pay.
We require proof of insurance as a condition of your First Harvest loan agreement. You can securely submit proof of insurance, check the status of your insurance, view insurance history, and find answers to the most commonly asked insurance questions by visiting our partners at MyLoanInsurance.com.
THE INFORMATION YOU PROVIDE IS SECURE AND PRIVATE AND USED ONLY TO MAINTAIN YOUR INSURANCE COVERAGE WITH US.
Spread the word and cash in when you refer friends and family to First Harvest Credit Union! When they take out an Auto Loan of $15,000 or more, or a Home Equity Loan of $25,000 or more, you both cash in!
How It Works:
First Harvest Credit Union will pay your referral $100 towards their first month’s payment on qualifying loans, and you’ll receive a bonus of $100 that will be deposited into your Savings Account! You’ll be credited 45 days after the referred loan is closed. Each member is limited to two referral bonuses.
Get paid for helping friends and family save. Find your referral today!
Use Promo Code: FF100
Must use promo code FF100 to qualify for offer. Existing members of First Harvest Credit Union are not eligible for the referral bonus if being referred by an existing member for a loan product. Referring member must have an account with First Harvest Credit Union for 3 months or more. Referring member will receive $100 deposited into their savings account. Referred member will receive $100 credited towards their qualifying loan payment. All bonuses tied directly to the application and disbursement of the above mentioned titled loans are dependent on and subject to credit approval. Should either party not receive a bonus, it may be that the referred member’s application may have been denied or that member did not accept the conditional approval terms. Accounts must be in good standing in order to receive the referral bonus or the first month’s payment. This offer may be canceled or withdrawn at any time. Limit of two bonuses per member. Bonus may be taxable as interest income and reported on IRS Form 1099-INT. Consult your tax advisor.
Our members may qualify for discounts on Auto Insurance through the TruStage™ Auto Insurance Program. You could save big, and it could be simple to switch carriers—without losing any money.
TruStage offers a powerful mix of savings and popular, member-friendly benefits:
- Credit union members could save hundreds*
- Nationally recognized companies
- Friendly, 24/7 service—even on holidays
- Discounts for multiple vehicles, good driving, and more**
- Mobile app for easy claims
It’s simple to get a free quote today. Don’t wait to see how much you could save!
*Savings validated by survey of participating new customers who switched to a Liberty Mutual policy between 10/2021 and 09/2022 with self-reported comparable coverage from their prior carrier. Savings may vary.
** Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.
If your vehicle is deemed a total loss due to an accident or theft, there can be a significant gap between what you owe on your loan and what your auto insurance will cover. GAP Plus may reduce or even eliminate that shortfall in the event your vehicle is deemed a total loss and can help reduce your next loan at the credit union, making it easier to get the replacement vehicle you’ll need.
GAP is not insurance; it is an optional debt cancellation product. GAP will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP Fee to the amount financed under your contract will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid. GAP purchased from state-chartered credit unions in FL, GA, IA, IN, UT, VT, and WI may be with or without a refund provision. Prices of the refundable and non-refundable products are likely to differ. If you purchase a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee. GAP purchased from state-chartered credit unions in CO, MO or SC may be canceled at any time during the loan and receive a refund of the unearned fee.
Copyright & Unique ID:
© TruStage
GAP-3415672.3-0124-0226
With Mechanical Repair Coverage you can enjoy many valuable benefits, among which are:
- Substitute transportation: up to $50 per day up to a maximum of 10 days, available on the first day of coverage. Options for traditional rental car or rideshare are available.
- 24-emergency roadside assistance: up to $125 per occurrence, includes towing, battery jumpstart, fluid delivery, flat tire assistance, lock-out service, and extracting your vehicle from an inaccessible area within 50 feet of a paved road or highway.
- No out-of-pocket expense (except for any deductible): the administrator pays the repair facility directly for the covered repair.
Help protect yourself from unexpected costly covered repairs –find out what Mechanical Repair Coverage plan is right for you. To learn more, call us at 800.582-7640 to schedule an appointment — or stop by any branch— to speak to one of our experienced member service representatives in person.
Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA; where coverage is offered as insurance by Virginia Surety Company, Inc., in NH; where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX; where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License #175), in FL and OK; where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA; where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. The purchase of Mechanical Repair Coverage is optional. This document provides general information about Mechanical Repair Coverage and should not be solely relied upon when purchasing coverage. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions and exclusions. Coverage varies by state. Replacement parts may be new, used, non-OEM or remanufactured.
Copyright & Unique ID:
© TruStage
MRC-3415612.4-0324-0426
We offer debt protection in the event of an accident. Debt protection could help your family’s financial situation against a variety of covered life events:
- Involuntary Unemployment
- Disability
- Death
More Solutions
Whether you’re consolidating debt, funding a project, or managing unexpected expenses, our low-rate personal loans help you stay in control of your finances.
Learn MoreFrom home improvements to education costs, or anything in between, a HELOC gives you flexible access to your funds, with no spending restrictions.
Learn MoreWhat’s better than saving? Saving with certainty. Open a certificate to meet our savings goals with guaranteed, fixed-rate earnings.
Learn More
Personal Loans
Whether you’re consolidating debt, funding a project, or managing unexpected expenses, our low-rate personal loans help you stay in control of your finances.
Learn MoreHome Equity Loans
From home improvements to education costs, or anything in between, a HELOC gives you flexible access to your funds, with no spending restrictions.
Learn MoreCertificates
What’s better than saving? Saving with certainty. Open a certificate to meet our savings goals with guaranteed, fixed-rate earnings.
Learn MoreEarn Referral Rewards!
Invite friends and family to First Harvest Credit Union and earn a reward. When they open a qualifying Auto or Home Equity Loan, you both benefit!1
Boost Your Auto Knowledge
† Annual Percentage Rates (APR) accurate as of the date listed above and subject to be canceled, extended, or changed without notice. Rates reflect a .25% rate reduction for members who choose Automatic Payments from a First Harvest Checking Account. APR will increase by .25% without Automatic Payment from a First Harvest Checking Account. Automatic Payments and a First Harvest Checking Account are not required to receive a loan from First Harvest Credit Union. Maximum loan amount is $100,000. Loans are available for vehicles purchased from licensed dealerships only. No Private Sale purchases. Note: All-Terrain Vehicles (ATV’s) and Utility Task Vehicles (UTV’s) are not eligible for financing.
New (under 20,000 miles) Rates: Listed APRs available for 2024-2026 automobile model year with LESS than 20k miles. Rate and loan amount for this product are determined by an evaluation of applicant credit, as well as other factors including loan term, collateral mileage and model year, and Loan-To-Value (LTV). Your actual rate may vary from the stated information. Not all applicants will qualify for the lowest rate. Sample Monthly Payment: $13.67 for every $1,000 borrowed at 6.99% APR for 96 months with $50,000 loan minimum. Payment example is based on the lowest rate for the longest term available for illustrative purposes only and does not include Debt Protection or available optional vehicle protection plans. Your payment may be higher. Other rates and terms available. Membership restrictions apply. Contact us at 800.582.7640 for details. Equal Opportunity Lender.
Used 2021-2025 Rates: Listed APRs available for used automobile model years 2024 – 2025 with MORE than 20k miles and model years 2021 – 2023. Maximum age for purchases is (10) model years (currently 2017) and maximum for refinance is (7) model years (currently 2020). Rate and loan amount for Used Auto Loans are determined by an evaluation of applicant credit, as well as other factors including loan term, collateral mileage and model year, and Loan-To-Value (LTV). Your actual rate may vary from the stated information. Not all applicants will qualify for the lowest rate. Sample Monthly Payment: $14.89 for every $1,000 borrowed at 6.49% APR for 84 months with $25,000 loan minimum. Payment example is based on the lowest rate for the longest term available for illustrative purposes only and does not include Debt Protection or available optional vehicle protection plans. Your payment may be higher. Other rates and terms available. Membership restrictions apply. Contact us at 800.582.7640 for details. Equal Opportunity Lender.
Used 2017-2020 Rates: Listed APRs available for used automobile model years 2017 – 2020. Maximum age for purchases is (10) model years (currently 2017) and maximum for refinance is (7) model years (currently 2020). Rate and loan amount for Used Auto Loans are determined by an evaluation of applicant credit, as well as other factors including loan term, collateral mileage and model year, and Loan-To-Value (LTV). Your actual rate may vary from the stated information. Not all applicants will qualify for the lowest rate. Sample Monthly Payment: $15.14 for every $1,000 borrowed at 6.99% APR for 84 months with $25,000 loan minimum. Payment example is based on the lowest rate for the longest term available for illustrative purposes only and does not include Debt Protection or available optional vehicle protection plans. Your payment may be higher. Other rates and terms available. Membership restrictions apply. Contact us at 800.582.7640 for details. Equal Opportunity Lender.
Motorcycle Rates: Listed APRs and loan amount for Motorcycles Loans are determined by an evaluation of applicant credit, as well as other factors including loan term, collateral mileage and model year, and Loan-To-Value (LTV). Your actual rate may vary from the stated information. Not all applicants will qualify for the lowest rate. Sample Monthly Payment: $16.86 for every $1,000 borrowed at 6.49% APR for 72 months with $25,000 loan minimum. Payment example is based on the lowest rate for the longest term available for illustrative purposes only and does not include Debt Protection or available optional vehicle protection plans. Your payment may be higher. Other rates and terms available. Membership restrictions apply. Contact us at 800.582.7640 for details. Equal Opportunity Lender.
1. Must use promo code FF100 to qualify for offer. Existing members of First Harvest Credit Union are not eligible for the referral bonus if being referred by an existing member for a loan product. Referring member must have an account with First Harvest Credit Union for 3 months or more. Referring member will receive $100 deposited into their savings account. Referred member will receive $100 credited towards their qualifying loan payment. All bonuses tied directly to the application and disbursement of the above mentioned titled loans are dependent on and subject to credit approval. Should either party not receive a bonus, it may be that the referred member’s application may have been denied or that member did not accept the conditional approval terms. Accounts must be in good standing in order to receive the referral bonus or the first month’s payment. This offer may be canceled or withdrawn at any time. Limit of two bonuses per member. Bonus may be taxable as interest income and reported on IRS Form 1099-INT. Consult your tax advisor.
