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Auto Loans

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Uncomplicated Auto Loans

Feel a sense of car-buying freedom at American 1! We offer extremely competitive rates and a convenient lending process.  When you are looking to finance a car, trust your local auto loan experts, who are ready to help you every step of the way.

We’re available where and when you need us. Visit one of our convenient branches or contact us at 888.213.2848 to learn more about beginning your uncomplicated loan process. Are you new to auto buying or negotiating? View our auto buying tips & tricks. 



Family in Car

Why Finance with American 1?

Boldly Generous Interest Rates

Our interest rates are competitive on used an new vehicles.* Finance with us for as low as 6.24%*.

Convenient Locations

We offer over 16 locations across mid-Michigan, along with a 24/7 Contact Center.

Uncomplicated Terms

Choose a term and a low monthly payment that works for you. We also offer protection products+ and discounted car insurance just for being a member.***

First Time Auto Buyers Program

No credit history? No problem! With American 1, you can purchase a vehicle with a special Boldly Generous Rate with our first-time auto buyers program while jumpstarting your financial wellness journey.3 You also have the opportunity to continue to build your credit with our Rewards VISA2 Card.

Perks to the First Time Auto Buyer Program
  • Receive a special program interest (APR)1 rate
  • Option to apply for the American 1 Reward VISA Card
  • No down payment required
  • No co-signer/co-borrower needed
Young Adult With Car

Ready to Get Started?


If you are ready to get started, we are ready to help! Submit our auto loan application below, or browse the dates for our next American 1 Car Sale, featuring on-site financing, over 300 vehicles and multiple local dealers. 



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*All loans are subject to crdit 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:

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 $25,000. Loan term not to exceed 60 months. Must meet all eligibility and underwriter requirements.