Shift Into Your Next Ride

We’re here to take the stress out of your vehicle purchase. From start to finish, we bring simplicity to the auto loan process.

Browse our always competitive rates, apply online in minutes, and get fast, local approval with support from our friendly and knowledgeable team.

Fast. Easy. Local. That’s The Power of You!

Up To 100% Financing

Up To 100% Financing

Terms up to 84 Months

Terms up to 84 Months

Easy Application Process

Easy Application Process

Fast Local Approval

Fast Local Approval

Rates for ZIP: — Change

TermAPR* as low asPayment Per $1,000 Borrowed
48 months or less4.99%$23.07
60 months5.24%$19.02
66 months5.49%$17.63
72 months5.74%$16.49
84 months6.24%$14.76
TermAPR* as low asPayment Per $1,000 Borrowed
48 months or less5.49%$23.30
60 months5.74%$19.25
66 months5.99%$17.86
72 months6.24%$16.73
84 months6.74%$15.00
TermAPR* as low asPayment Per $1,000 Borrowed
48 months or less5.24%$23.15
60 months5.24%$18.99
66 months5.24%$17.48
72 months5.24%$16.23
84 months7.49%$15.35
TermAPR* as low asPayment Per $1,000 Borrowed
48 months or less5.49%$23.30
60 months5.74%$19.25
66 months5.99%$17.86
72 months6.49%$16.85
84 months6.99%$15.13
Learn More Apply Now
TermAPR* as low asPayment Per $1,000 Borrowed
48 months or less5.74%$23.41
60 months5.99%$19.37
66 months6.24%$17.98
72 months6.74%$16.97
84 months7.24%$15.25
Learn More Apply Now
TermAPR* as low asPayment Per $1,000 Borrowed
48 months or less5.74%$23.38
60 months5.74%$19.22
66 months5.74%$17.72
72 months5.74%$16.46
84 months7.99%$15.59
Learn More Apply Now

Term
48 months or less
APR* as low as
4.99%
Payment Per $1,000 Borrowed
$23.07
Term
60 months
APR* as low as
5.24%
Payment Per $1,000 Borrowed
$19.02
Term
66 months
APR* as low as
5.49%
Payment Per $1,000 Borrowed
$17.63
Term
72 months
APR* as low as
5.74%
Payment Per $1,000 Borrowed
$16.49
Term
84 months
APR* as low as
6.24%
Payment Per $1,000 Borrowed
$14.76
Term
48 months or less
APR* as low as
5.49%
Payment Per $1,000 Borrowed
$23.30
Term
60 months
APR* as low as
5.74%
Payment Per $1,000 Borrowed
$19.25
Term
66 months
APR* as low as
5.99%
Payment Per $1,000 Borrowed
$17.86
Term
72 months
APR* as low as
6.24%
Payment Per $1,000 Borrowed
$16.73
Term
84 months
APR* as low as
6.74%
Payment Per $1,000 Borrowed
$15.00
Term
48 months or less
APR* as low as
5.24%
Payment Per $1,000 Borrowed
$23.15
Term
60 months
APR* as low as
5.24%
Payment Per $1,000 Borrowed
$18.99
Term
66 months
APR* as low as
5.24%
Payment Per $1,000 Borrowed
$17.48
Term
72 months
APR* as low as
5.24%
Payment Per $1,000 Borrowed
$16.23
Term
84 months
APR* as low as
7.49%
Payment Per $1,000 Borrowed
$15.35

Term
48 months or less
APR* as low as
5.49%
Payment Per $1,000 Borrowed
$23.30
Term
60 months
APR* as low as
5.74%
Payment Per $1,000 Borrowed
$19.25
Term
66 months
APR* as low as
5.99%
Payment Per $1,000 Borrowed
$17.86
Term
72 months
APR* as low as
6.49%
Payment Per $1,000 Borrowed
$16.85
Term
84 months
APR* as low as
6.99%
Payment Per $1,000 Borrowed
$15.13
Learn MoreApply Now
Term
48 months or less
APR* as low as
5.74%
Payment Per $1,000 Borrowed
$23.41
Term
60 months
APR* as low as
5.99%
Payment Per $1,000 Borrowed
$19.37
Term
66 months
APR* as low as
6.24%
Payment Per $1,000 Borrowed
$17.98
Term
72 months
APR* as low as
6.74%
Payment Per $1,000 Borrowed
$16.97
Term
84 months
APR* as low as
7.24%
Payment Per $1,000 Borrowed
$15.25
Learn MoreApply Now
Term
48 months or less
APR* as low as
5.74%
Payment Per $1,000 Borrowed
$23.38
Term
60 months
APR* as low as
5.74%
Payment Per $1,000 Borrowed
$19.22
Term
66 months
APR* as low as
5.74%
Payment Per $1,000 Borrowed
$17.72
Term
72 months
APR* as low as
5.74%
Payment Per $1,000 Borrowed
$16.46
Term
84 months
APR* as low as
7.99%
Payment Per $1,000 Borrowed
$15.59
Learn MoreApply Now

Rates are accurate as of June 25, 2026 and are subject to change without notice.

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Member Testimonial

“I had some issues concerning an auto loan and an insurance plan, but you resolved it easily and efficiently. I feel confident that if any issues arise in the future, I can call First Commerce and get straight answers and great service!”

Member Testimonial

Frequently Asked Questions

Answer: Yes. Click the link at the top of this page to fill out your application, which takes just minutes to complete.
Answer: Yes. The rate table on this page is accurate every day and displays new and used auto loan rates in separate tabs.
Answer: No, there is no penalty for early loan payoff.
Answer: Yes, but only if your current auto loan is held by another lender. Loans are subject to credit qualifications and approval.