Auto Loans

several vehicles lined up

1st CCU's rates are some of the best around.  Apply today using our convenient online loan application, and we also offer the option to sign loan documents electronically using DocuSign, so you can get your next loan from the comfort of your home!


You deserve a vehicle that gets you where you need to go.  We've got great rates, fast approval, convenient terms, and friendly local lending experts to help get you in the driver's seat before you know it!  Apply online, in person, or give us a call and we'll help get you on the road with a loan that fits your budget.(opens in a new window



  • Up to 100% financing for qualified borrowers
  • New vehicles – terms up to 84 months*
  • Used vehicles – terms up to 72 months*
  • Older vehicles – terms up to 60 months*
  • Classic & Exotic vehicles – terms up to 48 months*
  • Refinance an existing auto or motorcycle loan from a dealer or another financial institution

*Qualifications and some restrictions apply, based on loan type, model year, terms, amount financed and credit history.

Free Pre-Approval

Knowing how much you can afford and what terms you can expect eliminates expense and confusion. Stop in before you shop and get a free pre-approval.

Get Peace Of Mind With Extra Coverage

We all like to be prepared, and 1st CCU offers products to help you maintain your financial well-being in the event of an unexpected emergency. Life can get complicated and financially stressful.  Speak with your Loan Officer about adding the following coverage when finalizing your loan:
    • GAP Coverage
Most standard auto insurance policies cover the actual cash value of the vehicle you are financing. What would you do if the vehicle you financed was stolen, accidentally damaged beyond repair, or otherwise declared an insured total loss? Unfortunately, you would remain financially liable for any shortfall between the net insurance settlement and what you owe on your loan. This could amount to thousands of dollars you owe on a vehicle you no longer have. GAP Coverage covers the costs of that gap between what the insurance company pays you and and what you owe on your loan. It can help protect your personal credit rating and provide peace of mind.
    • Vehicle Service Contract
When your vehicle is your daily driver, you need to know that you're covered in case of an emergency. A Vehicle Service Contract can protect your investment and may offer roadside assistance, rental vehicle assistance, tire road hazard and trip interruption coverage.
    • Vehicle Multi Shield Protection
Coverage to help pay for repairs from everyday road hazards, everything from wheel repair and windshield repair to door dings and 24/7 Roadside Assistance. 
The coverage products listed above are subject to qualifications. Price and availability may vary based on the vehicle being financed, the loan size, and other factors. See a 1st CCU Loan Officer for full details.
    • Debt Cancellation

Protect your loan balance or loan payments in the case of death, disability, involuntary unemployment or qualified family leave, Depending on the type of policy you choose, this protection could cancel your loan balance or loan payments up to the contract maximums.

Credit Life and Disability Insurance is subject to qualifications, including but not limited to collateral, loan size, and age of borrower. See a 1st CCU Loan Officer for full details.

Search Dealership Inventory From The Comfort Of Your Home

With our AutoSMART website you could find the car of your dreams at any time of the day, from any device!  Search dealerships from 10 miles away to across the nation, it's easy to use. Click Here To Learn About AutoSMART

Our lending experts are happy to assist you with your financing needs, with answers to your questions, a free pre-qualification, and more:

Leianna Melde, Consumer Loan Officer

Leianna Melde Email(opens in a new window) 

Direct Phone: 608-366-2301
Direct Fax: 608-366-2070

NMLS #1595229 Leianna Rose Melde

Jennifer Ely, Consumer Loan Officer

Jennifer Rickert  Email  

Direct Phone: 608-366-2039
Direct Fax: 608-366-2062

Luke Fanning, Consumer Loan Officer

Luke Fanning  Email Luke   

Direct Phone:  608-377-7737
Direct Fax:  608-377-7749

Britny Ferris, Consumer Loan Officer

Britny Ferris   Email Britny   

Direct Phone:  608-366-2090
Direct Fax:  608-366-2095

Loans By Phone

Lindsey Yogmas

Lindsey Yogmas  Email Lindsey   

Direct Phone: 608-366-2093
Direct Fax: 608-786-1025




Apply Online For An Auto Loan

Sparta Office: 1000 West Wisconsin Street • Sparta, WI 54656  Call 608-269-8121 or Toll-Free 888-706-1228

West Salem Office: 1410 W. Highway 16 • West Salem, WI 54669  Call 608-786-2420 or Toll-Free 888-706-1228

Tomah Office: 220 Buan Street • Tomah, WI 54660 • Call 608-366-2307 or Toll-Free 888-706-1228

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