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Auto Loans

Buying a Car

New or used, First Atlantic can help you get into the driver’s seat as easily as 1, 2, 3!

  1. Find your dream ride with our Car Buying Service, powered by TrueCar. See upfront pricing and know what others have paid, ensuring you get a great deal. You can also check out the cars for sale through our partner dealership.
  2. Get pre-approved by applying for a no-hassle auto loan to enjoy First Atlantic’s competitive rates and terms. Financing is available up to 100% of the purchase price, including tax, title, and license, for new or used auto loans.
  3. Upon approval, you’ll receive an AutoDraft Check that lets you pay like a cash buyer at the dealership. Bring your AutoDraft to finalize your purchase. Then enjoy the drive!


Refinancing Your Car

Want to lower your monthly car payment? Let First Atlantic refinance your current auto loan, and you could save money each month, plus hundreds—or even thousands of dollars—on interest charges over the loan’s lifespan.


New/Used Auto Loan

As low as

5.50 % APR*

Auto Loan Refinance

As low as

5.50 % APR*

Auto Lease Buyout

As low as

5.50 % APR*

*APR=Annual Percentage Rate. APR for new First Atlantic loans only. The actual rate may vary based on creditworthiness. Rates are subject to change at any time. Equal Opportunity Lender.


New/Used Auto Loan

A First Atlantic auto loan allows you to borrow money and use it to purchase a new or used car. You’ll repay the loan in fixed installments over a set period, and interest will be charged on the money you borrow.

Get behind the wheel of your new or new-to-you car.

Apply Online

Auto Loan Refinance

Refinancing may reduce your monthly payment through lowering your interest rate, extending your loan term, or both. Or, refinancing may help you to reduce the overall amount of interest paid.

Note: refinancing is not available for autos already financed with FAFCU!

Apply Online

Auto Lease Buyout

A lease buyout allows you to purchase your leased vehicle by paying off the difference between the amount you paid over the lease term and the car’s estimated market value.

Stick with a vehicle that you know and love and get a good interest rate on your financing package!

Apply Online

Make No Payments on your Auto Loan for 90 Days!**

Apply Online

**Payments cannot be deferred more than 90 days from the day of loan closing. Interest will continue to accrue during the 90-day period. Some restrictions apply. Offers of credit subject to creditworthiness. Membership required.


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Experience Our Car Buying Service

Spend less time at the dealership by searching for new and used cars online at your convenience with TrueCar. More importantly, there’s never an obligation to buy. Get access to FREE AutoCheck reports, as well as research and pricing tools. Save time and money on your next car and never overpay.

Search and Compare Prices
Search your desired vehicle based on your preferences and see what others paid. 

Get Pre-Approved Financing
Apply for an auto loan with First Atlantic online or at any of our branches. 

Lock in Your Savings 
Use your First Atlantic Auto Loan check at one of the 13,000 certified dealers to purchase your vehicle. 

Start Shopping


First Atlantic TrueCar Buying Service

Get Pre-Approved with AutoDraft

Looking for the confidence to negotiate the best price on a car that you know you can afford? Then look no further than First Atlantic’s AutoDraft, a blank check given to members who are approved for a new or used auto loan. You'll score a low-interest-rate loan with no hidden fees. Plus, you'll know exactly what you can afford. Simply take your AutoDraft to any dealership and make a straightforward purchase.

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First Responders Loan Discount

Qualifying members for this program include:

  • Firefighters (paid and volunteer)
  • Police Officers
  • EMTs (paid and volunteer)
  • Paramedics
Learn More
CPI Auto Insurance - hands protecting a red toy car on a desk

Collateral Protection Insurance (CPI)

Collateral Protection Insurance is enacted when an individual who takes out an auto loan fails to adequately insure the vehicle. CPI may be issued through the credit union’s insurance program and may cost more than insurance you can buy on your own. The coverages afforded by CPI are primarily to protect the credit union’s interest and will not satisfy the requirement of any financial responsibility law, nor does it provide liability coverage.

Learn More


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