Drive Forward with Freedom

Refinance your Auto Loan and we'll beat your rate by 1.00% APR ¹
Plus, get $250 Cash Back and up to 90 days No Payments ¹

Car & Truck Loans

Ready to Roll

Ready, set, go with Ready to Roll! Get pre-approved for your auto loan and take a blank draft to the dealership - giving you the power to shop like a cash buyer. No delays, no hassle - just a quicker, more seamless path to your next ride. Experience faster vehicle purchasing using our pre-approved draft* to purchase your next vehicle.

Apply Today

*Membership eligibility applies. All loans are subject to approval. Rates and terms are based on vehicle year and borrower's credit qualification and are subject to change. Draft is only applicable to use with local franchise dealerships. Other restrictions may apply. FirstLight is an Equal Opportunity Lender.

Why Finance Your Vehicle with FirstLight?

Competitive, low rates

Keep your payments affordable and your budget on track.

APR as low as 4.50%–17.99%

More Savings, More Smiles on the Road!

Learn how we can beat your rate

Learn More

New, used, or refinance options

We'll help you save whether you're buying from a dealership, private seller, or refinancing an existing loan.

Fast, local decisions

Enjoy personalized service and quick turnaround from a team that lives right here in your community.

Pre-approval available

Know your budget before you shop and negotiate with confidence.

Flexible terms

Choose the repayment option that fits your lifestyle and goals

4.50%–17.99%

APR as low as

Drive Local. Borrow Local.

As your trusted credit union, FirstLight is committed to helping our members make smart financial choices. Every loan we make strengthens our community -- and keeps you moving toward your goals.

Ready to hit the road?

Apply for your Auto Loan today and experience the FirstLight difference.

apply for an auto loan

Auto Loan Calculator

New Vehicle Purchase Price

minus Vehicle Cost plus

Loan Term (Months)

Down Payment Amount

minus Down Payment Amount plus

Loan Amount: $

Your Estimated Monthly Payment:

get started now

talk to us about an auto loan

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Let’s make your loan work better for you.

Getting your loan is easy—with just a few simple steps.

Step 1

See if you qualify with no impact to your credit. Apply for a loan in less than 5 minutes or call us at 915-564-3225.

Step 2

A lending sales specialist will contact you to review your loan application and request any additional information or documentation. (Proof of income may be required)

Step 3

If approved, your lending sales specialist will go over the loan terms with you and discuss any additional products and services.

Step 4

Your loan will be assigned to our Loan Processing Team, who will work with you to collect any additional stipulations and documents required to fund your loan.

Vehicle & Loan Protections

Guaranteed Asset Protection (GAP)
Route 66 Mechanical Breakdown Protection (MBP) English or Spanish
Depreciation Protection Waiver (DPW) English or Spanish

Let us help you

We make applying easy

We make applying for a loan fast, simple, and stress-free.

apply for a loan ³

apply for a mortgage loan ⁴

Need to become a member?

We’re more than a financial institution—committed to the communities we serve.

become a member

Have questions?

We're part of your community—and always happy to help.

Disclosures

¹ Annual Percentage Rate. All loans are subject to approval. Rates and terms are based on vehicle year and borrower's credit qualification and are subject to change. The promotion does not apply for existing FirstLight auto loans. Rate discount will not reduce the interest rate below the floor rate of 4.50%. Other conditions apply. Promotional offer is subject to change at any time without any notice. Membership eligibility requirements apply. FirstLight is an Equal Opportunity Lender. Promotion ends 7.31.2026. The $250 cash back offer is available while supplies last and will be deposited into the share account. Minimum refinance amount of $10,000 is required to qualify for the cash back offer. Deposit time may vary. Interest will accrue during the 90-day no payment period.

² APR = Annual Percentage Rate. All loans are subject to approval. Rates and terms are based on vehicle year and borrower's credit qualification and are subject to change. Advertised rate is for a 48-month term and includes discounts of 0.25% for Auto Pay from the lowest rate of 4.75%. Promotional rates do not apply to existing FirstLight loans. Interest will accrue during the 90-day no payment period. Other restrictions may apply. Discount offers are subject to change at any time without any notice. Example: 48 months at 4.50% APR = Approximately $22.81 per $1,000 borrowed. Membership eligibility applies. FirstLight is an Equal Opportunity Lender.

³ Membership eligibility applies. All loans are subject to approval. Other restrictions may apply. FirstLight is an Equal Opportunity Lender.

⁴ All loans are subject to credit qualification and approval. Mortgage loans are available only on properties located in Texas and New Mexico. Certain fees and conditions apply. Membership eligibility requirements apply. Equal Housing Lender.