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Auto Loans

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Tools and service to make it easy.

Everyone wants something a little different in a car. Whether you need something a bit more reliable for your road trips or just want to make your commute a bit more enjoyable, we’ll help you find the right car and get the right loan to make it affordable. Get information about cars through CARFAX® to ensure that you’re getting a great vehicle. Buy on site at any of our more than 100 Participating Alabama Dealers.

  • Great rates and terms up to 84 months

  • Guaranteed Auto Protection (GAP) available

  • Extended warranty available through Route 66

  • Automobile Purchase Plan research

  • CARFAX® reports

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Low rates. Generous terms. Reasonable payments.
That’s our AmFirst promise.

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We Work with Local Dealers

We have relationships with over 100 Alabama car dealerships to make the process of getting your new vehicle even easier. These local dealers can help you purchase your vehicle and complete your AmFirst loan documents on the spot with the same rates and terms that we offer in our branches.

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Rates

Auto Loan Rates

2022, 2023, 2024 Vehicles

Rates effective as of: December 4, 2024

Consumer Lending Rates, stated as Annual Percentage Rates (APR). Your rate will depend on final underwriting, which includes creditworthiness, as well as the age and equity position of the collateral.

To qualify for 84 months vehicle value must exceed $25,000.

Rates are effective as of today and are subject to change weekly.

2019, 2020, 2021 Vehicles

Rates effective as of: December 4, 2024

Consumer Lending Rates, stated as Annual Percentage Rates (APR). Your rate will depend on final underwriting, which includes creditworthiness, as well as the age and equity position of the collateral.

2014-2018 Vehicles

Rates effective as of: December 4, 2024

Consumer Lending Rates, stated as Annual Percentage Rates (APR). Your rate will depend on final underwriting, which includes creditworthiness, as well as the age and equity position of the collateral.

2009-2013 Vehicles

Rates effective as of: December 4, 2024

Consumer Lending Rates, stated as Annual Percentage Rates (APR). Your rate will depend on final underwriting, which includes creditworthiness, as well as the age and equity position of the collateral.

2014-2010 Used Auto

Rates effective as of: December 4, 2024

Consumer Lending Rates, stated as Annual Percentage Rates (APR). Your rate will depend on final underwriting, which includes creditworthiness, as well as the age and equity position of the collateral.

Rates are effective as of today and are subject to change weekly.

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Rates effective as of: December 4, 2024

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New fee for loan payments:

Starting on January 1, 2023, there will be an $8.00 transaction fee for loan payments when members pay with a debit card.

If you are making a loan payment using your checking account and routing number (ACH) there will continue to be no transaction fee. Also, there will continue to be no transaction fee if you are using the transfer function in Online Banking to make a payment.

For questions, please give us a call at 205-320-4000.

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