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Auto Loans

We offer competitive rates on our auto loan products* and our loan staff is here to help you finance the vehicle you’re looking for.

Auto Loan Programs

  • New or Used Vehicle Purchase/Dealership – No need to get pre-approved, go directly to the dealership, find your car and tell the dealership to send your financing through CUDL (Credit Union Direct Lending) to 1st Nor Cal Credit Union. Rates and terms »
  • Used Vehicle Purchase/Private Party – Let 1st Nor Cal Credit Union finance and assist in processing your DMV paperwork.
  • Refinance from Another Lender – Have an auto loan financed elsewhere? Let us help you lower your rate which can lower your monthly payment.
  • Lease Buyout – 1st Nor Cal Credit Union, in collaboration with Lease Buyout Center, will process your lease buyout easily and effortlessly. With a streamlined process you are able to purchase your leased car online and financed with 1st Nor Cal’s great rates!
  • Tesla Financing – Through an exclusive relationship with Tesla, 1st Nor Cal Credit Union can fund loans directly with Tesla – saving you time and money. Rates and terms »

New or Used Auto Loan
Purchase or Refinance

Rates as low as

5.50% APR*


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For Lease Buyout:
Do not use this link, please click Learn More under the Lease Buyout Option.

Lease Buyout

Avoid the Dealership,
we can help you
buy out your lease.


Why Choose 1st Nor Cal

Competitive Rates

Flexible Terms

Quick Online Application

Constant Support

Your Smart Choice for Stress-Free Car Buying

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Estimate Your Car Monthly Payment

Est. Monthly Payment: $

Apply With 3 Easy Steps

Apply Online

Quick and easy online application.

Sign Your Loan

Agree to the loan amount, rates, and terms.

Get a Check

Use your check to buy your new car.


“Definitely not a bank, but a wealth-building assistant! No ripoff fees, no negative surprises. The best loans and free checking. Forgot to mention awesome friendly staff!”
– Raul P.

Ready to Get Started?

*Annual Percentage Rates (APR) are subject to change. Rate, maximum term, maximum loan amount and advance amount are based on credit qualifications. Maximum terms vary based on loan amount. We reserve the right to determine collateral value based on industry recognized guidelines or full appraisal. Must be 18 years old or older to apply for a loan. Loans are subject to all Credit Union policies and procedures. Auto loan “as low as” rates require a minimum FICO® 780 Credit Score. 36 month term at 5.50% APR is $30.20 per $1,000 borrowed. 48 month term at 6.25% APR is $23.61 per $1,000 borrowed. 66 month term at 6.35% APR is $18.00 per $1,000.00 borrowed. 72 month term at 6.45% APR is $16.79 per $1,000.00 borrowed. 84 month term at 6.50% APR is $14.86 per $1,000.00 borrowed. Annual Percentage Rate applies and loans are subject to approval. Up to 100% financing on NEW autos, including purchase price, taxes, license and Mechanical Breakdown Insurance Warranty, with terms up to 84 months. Financing up to 100% of the retail Blue Book value on USED autos, plus taxes and license, with terms up to 60 months. Up to 100% financing on NEW motorcycles including tax and license. Financing up to 100% of retail NADA Book value on USED motorcycles, not over 10 years old. Up to 100% financing on NEW RVs and boats, including tax and license with terms up to 60 months. Financing up to 100% of retail NADA Book value on USED RVs and boats, with terms up to 60 months. Longer terms are available for loans of $25,000 or more on NEW or USED RVs and boats. Certain restrictions apply for extended financing terms. NOTE: Jet Skis, Wave Runners, and Seadoos are specialty items and can be financed for a maximum of 36 months.

DMV Title Alert:  In an effort to have all Californians comply with the required Electronic Lien for vehicle titles, DMV will no longer accept a paper form to release a title. Titles must be released through DMV’s electronic system. What does this mean to you? When you pay off your car/truck loan, our DMV specialist will put in an electronic request, and you will receive your title in 5 to 7 days. Your title will no longer be available at the Credit Union. It will come directly from DMV.