Rev up your savings with up to $350
Save $200‡ when you buy or refinance with us, plus another $150** when you make qualifying payments from a FirstPencu Checking account.
Auto Purchase Loan Benefits
Best-in-class rates
Great rates on new and used cars and trucks.
Loan amounts up to $150K
Great rates on new and used cars and trucks.
Pre-approval in minutes
Know what you qualify for before you buy.
Won’t affect your credit score1
What Our Members Say...
“The APR and monthly payments are accessible, and it accommodates my needs”
– Frank B
“Great service and follow up coupled with low interest rates for all products”
– Grover F
“Best rates, easy application process, and checks are sent out quickly”
– Humberto G
Monthly Debt
Car Buying Service
Let us do the shopping for you. Get discounted pricing and our best rates on your next vehicle purchase in partnership with TrueCar. Rates starting at 3.79% APR*.
Protect Your Vehicle With Confidence
GAP Coverage
Typical car insurance covers damage and theft. But what if your loan is more than the value of your vehicle? FirstPencu's GAP Coverage covers that difference.
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Vehicle Protection
FirstPencu's Vehicle Protection can extend your auto manufacturer's warranty by picking up where that policy leaves off.
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Debt Protection
Life is unpredictable. With FirstPencu Debt Protection, your family's financial security is protected in the event you're unable to make timely payments.
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Mortgage Knowledge Center
The Benefits of Using a Down Payment for an Auto Loan
How to Determine if Your Auto Lender Is Reliable
Car Maintenance by Season: Your Vehicle Maintenance To-Do List
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Security Center
This credit union is federally insured by the National Credit Union Administration. Rates are current as of April 2025 unless otherwise noted and are subject to change.
APY = Annual Percentage Yield
APR = Annual Percentage Rate