Auto Loans

Our Auto Loan rates are some of the best around, and our Consumer Lending team offers fast, friendly service. Apply in person or online and you'll be in the driver's seat of your next vehicle before you know it!

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  • Click To View Current Rates(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 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.

Two dachshund dogs GO LONG AND LOW ON A NEW VEHICLE WITH 1ST CCU!

Looking to purchase a NEW vehicle? Find out if you qualify to go LONG!  84 Month terms are available to qualified borrowers; Some restrictions apply. Ask a loan officer for full details.


Our lending experts are happy to assist you with your financing needs:


Leianna Melde, Consumer Loan Officer

Leianna Melde - Sparta Office

(608) 366-2301
NMLS ID 1595229-Leianna Rose Melde

Email Leianna



Kendra Nichols, Consumer Loan Officer

Kendra Nichols - Sparta Office

(608) 366-2039

Email Kendra



Zach Rueckheim, Consumer Loan Officer

Zach Rueckheim - West Salem Office

(608) 366-2080

Email Zach



Free Pre-Approval

Knowing how much you can afford and what terms you can expect eliminates expense and confusion when you shop for your new vehicle

Go ahead, click the tires.  image of SUV. click to go to the AutoSmart webpage.(opens in a new window)


Extended Warranties Available

Mechanical Breakdown Extended Warranty may be purchased for new or used vehicles. With this coverage, repairs may be covered even if the vehicle is out of manufacturer’s warranty.

Testimonial from Kim


GAP Coverage

Guaranteed Asset Protection is a low-cost coverage that pays the difference between your insurance settlement and your loan balance in cases where your vehicle is stolen or damaged beyond repair.


Life and Disability Coverage

This coverage can assist with loan repayment in case of disability or death. Certain age and wage restrictions apply. See a loan officer for details.


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