New & Used Vehicle Loans

Refinance Your Auto, Boat or RV and SAVE!

It’s Fast, Convenient, & Worry-Free.

You Choose How to Save:

-Receive 0.50% off with your refinance*
-Enroll in direct deposit for another 0.50% off*
-No payment for 90 days with an active Checking*

Don’t feel stuck in a high-rate loan. Refinance and save!

We can’t wait to help you beat YOUR auto loan rate!

In an effort to help our members during these unplanned circumstances,


  1. Loan can’t be delinquent for seven days or more
  2. Loan can’t be delinquent four times or more over the life of the loan
  3. Account open for six months
  4. Account can’t be over limit

If you qualify look for the Skip A Pay button in the online banking to initiate the Skip. If you do not see this button appear in online banking, call the Member Service Team at 616.532.9067 so we can assist you.

Insurance Coverage

Guaranteed Asset Protection (GAP)

This coverage safeguards your investment should your boat, motorcycle or RV become damaged beyond repair or is stolen. For a nominal amount, GAP provides a low-cost supplement to your existing insurance policy and covers the difference after your primary insurer has settled the claim.


  • Pays off loan balance if your boat, motorcycle or RV is totaled or stolen.
  • $1,000 towards your next vehicle.
  • $500 towards insurance deductible.

Low-Cost Credit Life & Disability Insurance

Gain peace of mind knowing your family and loved ones will not inherit an unwanted debt. While not required, our coverage can save up to 50% over similar plans offered by banks or dealer financing plans. It’s well worth the peace of mind, knowing if something were to happen, the debt would be taken care of.

Extended Warranties & Mechanical Breakdown Insurance

First United CU offers extended warranty to cover all makes and models. Plus, not only does this warranty cover when there are problems that arise with your vehicle it also covers items like emergency roadside assistance, rental car allowance, battery coverage and much more.


NADA Logo Kelley Blue Book Edmunds


Fast & Friendly Service.

We want your loan experience to be convenient, friendly, and hassle-free. You can apply online, by phone, or in person. And you’ll receive a quick response – usually under 24 hours.

Competitive Rates.

You’ll save with some of the best rates in the state, and never have to pay an application fee.

No Down Payment Required.

While it’s practical to finance as little as possible, sometimes you need a new car sooner rather than later. Rest assured, 100% financing is available.


After you get the loan, look at your convenient payment options.

*APR = Annual Percentage Rate. Rates effective as of November 1, 2022, and subject to change without prior notice. Your rate may vary based upon term, your credit history, credit score and collateral offered. Loans with First United CU need to be open for at least 1 year to avoid penalties. Must have a minimum of $1,000 ACH Direct Deposit, Online Banking with eStatements and eNotifications to qualify for refinancing special. When refinancing, you may choose one or ALL of the following options: 1) .50% off your lowest rate when refinancing only; 2) an additional .50% off your lowest rate with an active Checking account; 3) No payments for 90 days with an active Checking. Loan discounts will be applied to your lowest approved rate. Ask us for complete details.