Skip to content

Auto Loans

Let First Central take the hassle out of shopping for a new or pre-owned vehicle with our affordable loans and Auto Buying Central resources. We promise a fast, convenient approval process, with pre-approvals available for extra buying power. Apply online today — plus conveniently compare and research vehicles to save you time and money.  

Spin & Win!

Get discounts on all new and used auto loans good through August 30th

Financed elsewhere? Now is the time to re-finance your vehicle with First Central. Think about it. You'll have the same vehicle, just lower payments! On factory equipped vehicles, you can get "150 radio channels of awesome" with used or refinanced auto loans.* 

Receive 3 months of FREE SiriusXM® 

Our friendly loan officers will work with you to find the rates and flexible terms that best fit your needs and budget. Apply today and drive your dream car out of the lot in no time!

Current Rates Financial Calculators

  • Buy any new or pre-owned car or truck
  • Some of the most competitive rates in Central Texas
  • 100% financing available
  • Finance Tax, Title, and Registration
  • Flexible terms from 36 months to 84 months
  • Quick approval process and local decision-making
  • Pre-approval for better buying power
  • Will refinance your loan from other institutions
  • Personal service from your credit union for the life of the loan

View Pre-Owned Vehicles

*Loans subject to credit approval, loan policies, and membership restrictions apply. Spin & Win discount wheel offer applies only to new or used vehicle loans, which excludes re-financed vehicles.  Automobiles, motorcycles, recreational vehicles and boats are eligible for the Spin & Win discounted rates. Re-financing guarantees 2% rate reduction lower than current interest rate to a floor of 3.19% annual percentage rate with $5,000 or more financed.