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Auto Loans

Get in the Driver’s Seat

No matter if you’re looking for a brand new car, or just new to you, first time truck or added space needs with a family minivan, you’ll need purchasing power before you head to the dealer.

If you qualify for pre-approval you won’t need to worry about financing the vehicle, and you can simply focus on the car you want for the price you want. If you’ve already been to the dealer, let us help crunch the numbers for you. We often have lower rates than others' incentives and rebates. Plus we help you protect your investment, with mechanical breakdown protection and GAP coverage.

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Protect Your Investment


Mechanical Breakdown Protection

Mechanical Breakdown Protection covers mechanical breakdowns above the original manufacturer's warranty. This helps ensure that the investment in your vehicle is protected and reduces the possibility of out-of-pocket expenses during an unexpected mechanical failure.

Your benefits:

  • $0 deductible on all plans
  • Immediate coverage
  • Direct pay to repair facility
  • Emergency roadside service included
  • Rental car allowance
  • Battery coverage
  • Competitive rates
  • Cost can be included in your loan or
  • Can be purchased outside your loan
  • Fully transferable

Guaranteed Asset Protection

If your vehicle is totaled or stolen, your insurance settlement can be significantly less than the outstanding loan balance. GAP is designed to relieve you of the responsibility for the remainder of the loan balance that may not be covered. We’ll make up that difference. As an added benefit with GAP, you will also receive the Auto Advantage Program.

Your benefits:

  • Low cost protection
  • Eliminates the out-of-pocket expense for the remaining loan balance after loss settlement
  • Helps avoid financial hardship and afford a replacement vehicle
  • Prevents deficiency balance from being added to new loan
  • Helps protect credit rating
  • If enrolled prior to January 1, 2017, Auto Deductible Reimbursement (ADR) pays up to $500 per loss (limit of 2 losses per year) when claim is filed and paid with your primary insurance carrier
  • if enrolled on or after January 1, 2017, Auto Deductible Reimbursement (ADR) pays up to $500 per loss (unlimited per year) when claim is filed and paid with your primary insurance carrier
  • Personal ID Restoration Consulting in case of ID Theft
  • Warranty Vault online storage for all your warranty information in one easy place
  •  
  • Learn more about GAP coverage and get a quote here.

*In order to purchase GAP, you must have an active loan with First Source Federal Credit Union on the asset to be covered.

Lending Manager Tanya Keller talks about how First Source thinks differently and looks at the big picture when processing loans

Not sure if you can afford the latest model
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Check out our helpful auto loan calculator.


Auto Loan Comparison Calculator

Want a rough idea?

Check today’s auto loan rates effective June 25, 2017

2015-2017
Including Classics

Term APR
12 Month as low as 2.19%
24 Month as low as 2.19%
36 Month as low as 2.29%
48 Month as low as 2.39%
60 Month as low as 2.49%
72 Month as low as 2.84%
84 Month as low as 3.34%
96 Month as low as 4.34%
108 Month as low as 5.34%

2012-2014
 

APR
12 Month as low as 2.79%
24 Month as low as 2.79%
36 Month as low as 2.89%
48 Month as low as 2.99%
60 Month as low as 3.09%
72 Month as low as 3.54%
84 Month as low as 4.04%

2011 & Older
Excluding Classics

APR
12 Month as low as 5.39%
24 Month as low as 5.39%
36 Month as low as 5.49%
48 Month as low as 5.59%
60 Month as low as 5.69%
72 Month as low as 6.19%
84 Month as low as 6.69%

Apply for an Auto Loan Now


Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Loan to value up to 100% is determined by credit score.

Monthly payments for a 5 year new vehicle loan would be $17.75 per $1,000 borrowed.
Monthly payments for a 5 year used vehicle loan would be $18.02 per $1,000 borrowed.
Monthly payments for a 5 year older vehicle loan would be $19.20 per $1,000 borrowed.