Our lending experts are happy to assist you with your financing needs: Julie Leis Sparta Office (608) 366-2305 Barb Burnham Sparta Office (608) 366-2306 Arnie Rettler Sparta Office (608) 366-2309 Jim Hines West Salem Office (608) 786-2420 Steve Schroeder Sparta Office (608) 366-2301

Auto Loans
New vehicle, used vehicle, 1st vehicle…whatever your needs, 1st Community Credit Union can assist you with a loan that puts you in the driver’s seat.

Recreational Vehicles
Motorcycles, Campers, RV’s, Snowmobiles, ATV’s, and much more! Anything recreational we will finance at a great rate. Recreational rates are the same as Auto rates .

Boat Loans 
New or used boat loans for any size boat. Rates & terms are determined by the size & year of the boat.

• Flexible Terms
• Great Rates
• Fast Approval
• Refer a friend and be “Granted” $50
• Stop by for an application or apply online

• Free Pre-Approval

  Why Get Pre-Approved? When buying a new vehicle, there are a lot of things to consider.  A pre-approval from 1st Community Credit Union can help you with:

  • Competitive rates, financing, and a hassle-free process 
  • Saves time later in the buying process
  • You can also afford yourself a great deal of flexibility
  • Know how much and what terms you can expect with your loan, eliminating expense and confusion
  • You will not need to sacrifice dealer rebates and/or discounts
  • Know how much vehicle you qualify for before you visit the dealer
  • You may be able to avoid having to come up with a large down-payment
  • Deal with one issue at a time - the money, then finding the perfect vehicle
  • Getting pre-approved may lock in a lower rate for a limited time
• Extended Warranties Available

  Protect your investment: When you purchase Mechanical Breakdown Extended Warranty coverage, your vehicle repairs are covered even if it is out of the manufacturer’s warranty. This coverage may be purchased through the credit union for new or used vehicles.
• GAP Coverage Available

  What is GAP? GAP (Guaranteed Asset Protection) is low-cost coverage that pays the potentially high-cost difference between your insurance settlement and your loan balance on items directly related to the purchase of your vehicle.  Unfortunately, if your new vehicle is stolen, accidentally damaged beyond repair, or otherwise declared as a total loss, you are still liable to pay the difference, or the "gap", between your insurer's settlement and your loan balance.  That gap will come out of your pocket for a vehicle that, for all practical purposes, no longer exists. Make sure you fill the GAP!  Ask a 1st CCU loan officer for more information.
• Life and Disability Coverage Available

  What if your last payday was your LAST payday? A life-altering event such as disability or death of your family’s primary breadwinner can make loan repayment difficult. Credit Life and Credit Disability Insurance can help your family by reducing the financial burden, providing peace of mind. Best of all, it costs just pennies per day and can be added to your monthly loan payments for your convenience. Certain age and wage restrictions apply. If you have questions about Credit Life & Disability Insurance, or you need more information, please speak with a loan officer, or call us at 608-269-8121 or 608-786-2420.

If you have already financed your purchase with a dealer or another financial institution, call us to see if you qualify to refinance your loan at 1st Community Credit Union.

Loan Calculators
Blue Book Value

Anytime Adviser New Car Buying Coach

Anytime Adviser Used Car Buying Coach