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Last Updated: 04/18/2025

Members 1st Credit Union FIRST Auto

in Auto Loans from Members 1st Credit Union

Last Updated: 04/18/2025

Members 1st Credit Union FIRST Auto logo
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Amount Range

Up to $20,000

APR (Fixed APR)

Starting at 10.24%(Verified 06/21/2024)
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Credit Score Range

N/A

Loan Term (Months)

Up to 72
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Members 1st Credit Union FIRST Auto Review

Members 1st Credit Union FIRST Auto is offered by Members 1st Credit Union, a credit union founded in 1936 and based in Redding, CA. Members1st auto loan are available in 1 state.

Members1st auto loan FAQ

What APR does Members1st auto loan offer on its car loans?

Members1st auto loan offers a fixed apr car loan product that ranges from 10.24% APR.
Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

What is the maximum auto loan term you can get with Members1st auto loan?

Members1st auto loan has car loans with a maximum term of 72 months. Having the option of longer terms allows borrowers to take on larger auto loan amounts while keeping monthly payments more affordable. However, the longer the term of your car loan, the more interest you will pay.

Does Members1st auto loan charge an origination fee?

Yes, Members1st auto loan may charge a loan origination fee .

Does Members1st auto loan charge a late fee?

Yes, Members1st auto loan charges borrowers with a late payment penatly fee

Does Members1st auto loan charge prepayment fees?

No, Members1st auto loan will not charge you a fee for paying your loan early. Whenever possible choose lenders like Members1st auto loan that don't charge a prepayment fee. These fees can reduce or even cancel the interest savings of repaying a loan early.

Can I pay off early my Members1st auto loan loan?

Yes, you can. Members1st auto loan does not charge a prepayment fee, so you can save money by paying your car loan early.

What do you need to qualify for Members 1st Credit Union FIRST Auto?

Members 1st Credit Union FIRST Auto does not require or does not disclose a credit score minimum. The minimum age to be eligible is 18 or the state minimum, whichever is higher.
Members 1st Credit Union FIRST Auto does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Members 1st Credit Union FIRST Auto.
To qualify, applicants may need to provide the following documentation:
  • Recent pay stubs
  • Proof of income
  • Bank account information
  • Driver's license or other government photo ID
  • Government issued photo ID
  • Proof of identity
  • Proof of residence

Does Members 1st Credit Union FIRST Auto report your account activity to credit bureaus?

Yes, Members 1st Credit Union FIRST Auto reports to the following credit bureaus:
  • Equifax
  • Experian
  • TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.

Does Members 1st Credit Union perform a hard credit pull?

Yes, Members1st auto loan performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

Is Members 1st Credit Union a legit company?

Members 1st Credit Union was founded in 1936, it is a well-established company that has been in business for 90 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

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Members 1st Credit Union FIRST Auto logo

Message from Members1st auto loan

Get access to your first vehicle with a competitive rate, flexible repayment terms, and without the need of a cosigner. Designed for members with little or no credit, the FIRST Auto program allows you to acquire your own auto loan without requiring a cosigner or guarantor. Ideal for students and young adults, the FIRST Auto Program helps you build credit, sets you on a path of financial security, and encourages positive money management.

Contact

Headquarters

P.O. Box 492395
Redding, CA 96049
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Email Support

Hours of Operation

Sunday
Closed
Monday
9:00AM - 5:30PM
Tuesday
9:00AM - 5:30PM
Wednesday
9:00AM - 5:30PM
Thursday
9:00AM - 5:30PM
Friday
9:00AM - 5:30PM
Saturday
9:00AM - 5:30PM

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