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First Community Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 5 Sep 2023
Fact checked

A quick review of First Community Credit Union auto loans

First Community Credit Union MO logo

First Community Credit Union MO helps members get into the driver’s seat with affordable auto loans with flexible terms. Members can lock in competitive APRs be it for a new or used car for up to 84 months. Plus, First Community has a selection of loans for different vehicles, such as motorcycles, RVs, boats, ATVs, personal watercraft, and campers.

Want to see what a First Community auto loan will cost? Try the First Community Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key First Community Credit Union auto loan features

  • Minimum loan amount: $500 for a 36-month term, and $25,000 for terms of 73-84 months.
  • Maximum loan amount: Undisclosed.
  • Interest rates: As low as 5.25% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Cheaper extended warranties and auto protection.

FIRST COMMUNITY CU AUTO LOAN OPTIONS

New and used vehicle loans

You can purchase or refinance your auto loan at competitive rates and longer loan terms with First Community. Starting at 5.25% APR, you can finance new and used vehicles. If you want to stretch your terms to 73-84 months, your rates can be as low as 7.99% APR.

Recreational vehicle loans

First Community Credit Union also offers loans tailored to recreational vehicles. You can choose from new and used vehicles, like RVs, motorcycles, boats, ATVs, personal watercraft, and campers. For motorcycle loans, rates start at 6.79% APR, and terms can be up to 72 months. Then, ATVs, boats, RVs, and campers have APRs as low as 6.99% with terms of up to 120 months.

First Community Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
First Community Credit Union Missouri

First Community Credit Union Missouri auto loan

First Community Credit Union Missouri auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate First Community Credit Union Missouri auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a First Community Credit Union auto loan

Eligibility criteria

First Community doesn’t indicate the requirements for vehicle financing, but you typically should be:

  • A member of First Community
  • 18 years old or older
  • A U.S. citizen or a permanent resident
  • Employed or have a reliable source of income

It pays to understand how to get an auto loan, too. Having an idea of the steps can help you better prepare for the process. Additionally, this will help you compare different lenders and find the best deal that suits you.

How to join First Community CU

To become a First Community member, you need to meet one of the following:

  • An eligible business, government entity, individual, or immediate family of an eligible individual who resides or works in select Missouri counties and Illinois counties
  • An employee or retiree of a member company or association
  • A household or immediate family member of an employee or retiree of a member company or association

What you’ll need to have ready

When you apply for auto financing with First Community Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

You may need to provide First Community with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

Your loan approval time can vary based on your circumstance. And depending on your case, the credit union may ask for more or less information. So, being prepared before your loan application can help you avoid potential delays in the process.

Ways to apply for a First Community CU auto loan:

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 1-800-905-7585

Additional First Community auto loan details

  • Automatic payment: Available.
  • Loan approval times:Undisclosed, but it may take a day to a few weeks based on your application.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, in a branch, by mail, and over the phone.
  • Hardship program: Skip-a-pay program available. (Learn more)

Vehicle restrictions and limitations

  • Maximum vehicle age: Unspecified.
  • Maximum vehicle mileage: Unspecified.
  • Other vehicle restrictions: Models 8 years and older have different rates, terms, and conditions.

PROS AND CONS

Pros

  • Competitive interest rates.
  • Get pre-approved.
  • Longer loan terms.
  • Cheaper extended warranties, mechanical breakdown protection, and guaranteed asset protection (GAP).
  • Online application available.
  • Multiple branches across Missouri and Illinois.
  • Several vehicles eligible – cars, trucks, motorcycles, boats, ATVs, RVs, personal watercraft, and campers.
  • Different loan payment options: online, in a branch, in person, over the phone, and by mail.

Cons

  • Limited to members.
  • Undisclosed loan fees.
  • Unspecified vehicle restrictions.
  • Rates subject to credit history, meaning members with poor credit may get higher APRs.

Frequently asked questions

How do I qualify for a car loan at First Community CU?

To qualify for vehicle financing, you need to meet membership criteria first. Then, you commonly need to be at least 18 years old and meet the credit requirements.

Does First Community Credit Union refinance auto loans?

Yes. You can refinance your current loan to lower your monthly payment and adjust your loan term.

What is the routing number for First Community Credit Union in St. Louis MO?

First Community’s routing number is 281081877.

Can I apply for a First Community CU car loan online?

Yes. You can submit your auto loan application online whether you want a new or used vehicle.

How do I pay my First Community auto loan?

You can make your payments in multiple ways – automatic transfers, online banking, in person, by mail, and over the phone.

Will applying for an auto loan with First Community affect my credit score?

When you apply for vehicle financing, the credit union will make a hard credit check. This then appears on your credit report, so it temporarily dings your score by a few points.

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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