Competitive rates as low as 4.99%* on new, used, or refinanced vehicles
Convenient application—online, in-branch, or at local dealers
No application fees
Local decisions, fast approvals
Finance up to 100% (including tax + title)
No credit? No problem. With our First-Time Auto Buyer Program, you could get:
A special Boldly Generous Rate
No co-signer or down payment required
Approval up to $15,000 and a 60-month term3
The opportunity to build credit with our American 1 Secured VISA® Card2
We’re here to help you start your financial journey—the right way.
Don’t miss our American 1 Car Sales, with 300+ vehicles, multiple local dealers, and on-site financing with our team.
Explore Loan Protection Products† to safeguard your investment—from GAP coverage to mechanical breakdown protection.***
*Annual percentage rates (APR) listed are “as low as" based on credit score and term and are subject to credit approval and underwriting requirements. Promotion applies to new and used auto loans. Refinances from current loans with American 1 Credit Union are allowed with the addition of a $500 balance or more; rewrite required. All federal and state tax rules apply. All rates subject to change without notice.
**All loans are subject to credit approval and underwriting requirements Payment Example: For a $30,000 loan for a term of 72 months with 9.99% APR, the monthly payment will be $557.77.
†American 1's credit decision will not be affected by whether members elect to purchase these protections
***Subject to approval by TruStage. Non-Deposit Investment Products are not obligations of the credit union, involve investment risk, and are being offered by a dual employee who accepts deposits on behalf of the credit union and also sells non-deposit investment products on behalf of a third-party broker.
1 - *APR = Annual Percentage Rate.
2. Subject to credit approval and underwriting requirements. Visa Disclosure: https://www.american1cu.org/privacy-and-disclosures/visa-disclosure
3. The First Time Auto Buyer program eligibility requirements: Member must not have a credit score or any reporting credit lines on their credit report. Loan amount not to exceed $15,000. Loan term not to exceed 60 months. Must meet all eligibility and underwriter requirements.
