Getting your auto loan from a credit union like First Commerce often means lower interest rates, fewer fees, and more personalized service compared to traditional lenders. Credit unions are not-for-profit and member-owned, so we return earnings back to our members in the form of competitive loan rates and more flexible financing options.

If you got your auto loan from another lender, there are lots of good reasons to refinance with First Commerce Credit Union:

• Lower your monthly car payment.
• Take advantage of a lower rate to save money over time.
• Pay off your vehicle sooner by shortening your loan term.
• Take advantage of improved credit since you originally financed.

Apply online or connect with our friendly team to see if refinancing makes sense for you.

The right term will depend on your monthly budget, the cost of your vehicle, and how long you plan to keep it. At First Commerce Credit Union, shorter terms (under 48 months) usually come with lower overall interest costs but higher monthly payments. Longer terms (such as 72 or 84 months) will keep your monthly payment lower by spreading costs over a longer period, but you’ll also pay more interest over time.

When you apply for an auto loan with First Commerce Credit Union, you’ll typically need to provide:

• Personal information including a valid ID and address
• Financial info such as proof of income and employment details
• Your Social Security number for a credit check
• Details about the vehicle, if you’ve selected one

You’ll also need to be a member to finalize your loan.

Whether you’re applying for a new auto loan or refinancing, you can complete the entire process online. If you prefer to apply in person, simply schedule an appointment at one of our 14 full-service financial centers.