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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.  

Drive your rate to us!

Take your current auto loan in a different direction -- save while you bring it back local.

Financed elsewhere? Now is the time to re-finance your vehicle with First Central.  Think about how important support for your local economy can be, while 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.* 

Re-Fi vehicles 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

Refer others for a chance to win $200!

Refer others - get a chance for both of you to win $200! Come visit any of our branch locations and get your referral cards today! Share your card with anyone considering an auto loan, auto refinance, home (mortgage) loan, or a home (equity) loan. Your referral (friend) must bring this completed card with them and receive the specified funded loan type for you both to be entered for a chance to win $200 each! A drawing will be held following each month - September, October, November, December 2019.  If you don't win the first month, your entry will remain in the drawing throughout the entire process. How many referral cards would you like?  

*Loans subject to credit approval, loan policies, and membership restrictions apply. 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.