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Auto Loans

New Vehicle Rates as low as 1.99% APR!*

Make First Central your destination - now while dealers want to move vehicle inventory! We promise a fast, convenient approval process. Get pre-approved for extra buying power and to help you avoid delays once you have found that perfect ride! Local decision makers can give you the flexible terms you desire. For your safety, finalizing loan funding can be done through electronic document signature too.   

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. Apply online today — plus conveniently compare and research vehicles to save you time and money at:
https://firstcentralcu.cudlautosmart.com/

Re-Finance Rates as low as 1.99% APR!*

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 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® 

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

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

Need to provide proof of insurance for your loan? We’ve made it very easy and secure to submit your insurance policy! Click here: My Loan Insurance

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*APR = Annual Percentage Rate. 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 1.99% annual percentage rate with $5,000 or more financed. New auto loan monthly payment example: $1,000.00 loan for 66 months at 1.99% APR is $16.01. Refinanced auto loan monthly payment example: $1,000.00 refinanced loan for 72 months at 1.99% APR is $14.75.