Refinance to get an auto loan that works for you.

Your car is one of your most important possessions. It’s not just how you get from point A to point B — it’s your key to adventure. Enjoy your car even more by lowering the interest rate and monthly payment on your auto loan. Driving is more fun with extra money in your pocket!

It's easy to start saving. For a limited time only, you'll get paid $200 and have no payments due for up to 90 days!

Step One

Apply With Your Promo Code

It only takes 5 minutes to complete our easy-to-use, secure application.

Step Two

Choose Your Loan Options

We’ll email you a link where you can customize your loan to fit with your budget.

Step Three

Enjoy Your Savings

Once your loan is complete, we'll pay off your old auto loan and help you transfer your title.

Refinance with First Service and Save

Serious Savings

Save big over the life of your loan by lowering your interest rates and monthly payments.

Get a Break from Payments

When you refinance with First Service, your first payment won't be due for up to 90 days.

Protect Your Loan

Choose from affordable protection plans to cover repairs, maintenance, or other emergencies.

Bank on the Go

Enjoy free digital banking to check your balances, make payments and more anytime, anywhere.

Coast-to-Coast Access

Get access to over 5,000 credit union branches and 30,000 free ATMs nationwide through the CO-OP network.3

We're Here For You

Here you’re more than just a number. You’re a member and part-owner of a credit union that exists to serve you.

Check Out These Additional Resources

The Complete Guide to Auto Loan Refinancing

If you're not satisfied with your auto loan, refinancing may be easier than you think. We've broken down everything you need to know about the refinancing process and outlined some of its potential benefits.

Read Our Guides >

How to Get the Most Out of Your Auto Loan

Most lenders offer auto loan protection options, but it can be hard to distinguish what is truly beneficial. Find out how to determine which warranties, protection plans, and other optional coverage can help meet your needs.

Learn More >

How Long Should Your Auto Loan Last?

The length of your auto loan will have a direct impact on your monthly payment, your rate, and the total amount you pay for your vehicle. Here are some things you should consider to choose the right term.

See Your Options >

See What Our Members Have to Say

"First Service has always come through for me. I know that they will always take care of me when I need them."

-Deiner M., member since 2015

"I love this credit union! They gave me a chance and have helped me build credit, so I could buy my car!"

-Jannie M., member since 2013

"The service I receive from First Service exceeds my expectations on all levels."

-Joyce B., member since 2015

1$200 Auto Loan Incentive: This is a limited time offer and subject to change at any time. Must use promo code when applying. Must finance an auto loan amount of $10,000 or greater to qualify for the $200 cash offer. Cash-out title loans not eligible for $200 cash offer. Subject to credit approval. Current First Service loans are not eligible for cash offers, complimentary insurance, or other promotions.

2No Payments For Up to 90 Days: This is a limited time offer and subject to change at any time. Subject to credit approval. Interest will accrue during the deferment period.

3CO-OP Shared Branching: Account access at CO-OP shared branches is available after 45 days of membership. Shared ATMs may be used at any time after joining the credit union.