Credit union · California

First City Credit Union auto loan rates compared

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California · Headquarters CaliforniaChecked Nov 12, 2026Rate page on firstcitycu.org

EligibilityPer First City: You are an employee, retiree, or member of an eligible Los Angeles County Department, organization, or company. You are in the immediate family (spouse, parents, children, siblings, grandparents) or live in the household of a First City member. You live, work, worship, or go to school in one of our communities throughout Los Angeles County and parts of San Bernardino County.

Visit lender Opens firstcitycu.org

Lowest new rate

4.99%APR, as low as

New36 monthsFirst City Credit Union

Example: $25,000 financed for 36 months at 4.99% APR. Estimated payment: $750/mo

LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less. Your rate still depends on creditworthiness, term, and eligibility.LA County & groupsLA County & groups: For a specific group: only open to employees, retirees, or members of an eligible Los Angeles County Department, organization, or company; immediate family (spouse, parents, children, siblings, grandparents) or household of a First City member; or people who live, work, worship, or go to school in its communities throughout Los Angeles County and parts of San Bernardino County. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
+1 more

CA lender. Not all qualify, see requirements.

Examples assume $25,000 financed, fixed APR, $0 down, no fees.

Lenders

Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.

Examples assume $25,000 financed, fixed APR, $0 down, no fees.

NewNew car rates · 6 rates

CAChecked Nov 12, 2026

New
As low as

4.99%APR36 months

Example: $25,000 financed for 36 months at 4.99% APR. Estimated payment: $750/mo

Requires:LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less. Your rate still depends on creditworthiness, term, and eligibility.LA County & groupsLA County & groups: For a specific group: only open to employees, retirees, or members of an eligible Los Angeles County Department, organization, or company; immediate family (spouse, parents, children, siblings, grandparents) or household of a First City member; or people who live, work, worship, or go to school in its communities throughout Los Angeles County and parts of San Bernardino County. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Auto Loan Terms and Rates: 36 months, New Auto Rate APR* as low as 4.99%. Rates are current and effective as of: November 12, 2026. *APR= Annual Percentage Rate and is subject to change without notice and is based on your overall creditworthiness. All loans are subject to credit approval. Minimum $10,000 loan required on terms longer than 60 months. The minimum payment amount is $50.00. Maximum repayment term dependent on loan amount. 0.50% Rate Discount available for loan-to-value of less than or equal to 80%. Rate increase of 0.50% for vehicle mileage of 140,000 or more. 96-month rate exclusive to best qualified borrowers on New Vehicles only with a minimum amount of $40,000. New Vehicles = less than 5,000 miles. Certain model year restrictions may apply, please contact First City for clarification. Other conditions may apply. The lowest possible rate is shown, your rate may vary.

Checked Nov 12, 2026Source firstcitycu.org

Calculate payment, First City Credit Union, 4.99% APR, new, 36 monthsVisit lender, First City Credit Union, 4.99% APR, new, 36 months ↗

CAChecked Nov 12, 2026

New
As low as

5.13%APR48 months

Example: $25,000 financed for 48 months at 5.13% APR. Estimated payment: $578/mo

Requires:LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less. Your rate still depends on creditworthiness, term, and eligibility.LA County & groupsLA County & groups: For a specific group: only open to employees, retirees, or members of an eligible Los Angeles County Department, organization, or company; immediate family (spouse, parents, children, siblings, grandparents) or household of a First City member; or people who live, work, worship, or go to school in its communities throughout Los Angeles County and parts of San Bernardino County. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Auto Loan Terms and Rates: 48 months, New Auto Rate APR* as low as 5.13%. Rates are current and effective as of: November 12, 2026. *APR= Annual Percentage Rate and is subject to change without notice and is based on your overall creditworthiness. All loans are subject to credit approval. Minimum $10,000 loan required on terms longer than 60 months. The minimum payment amount is $50.00. Maximum repayment term dependent on loan amount. 0.50% Rate Discount available for loan-to-value of less than or equal to 80%. Rate increase of 0.50% for vehicle mileage of 140,000 or more. 96-month rate exclusive to best qualified borrowers on New Vehicles only with a minimum amount of $40,000. New Vehicles = less than 5,000 miles. Certain model year restrictions may apply, please contact First City for clarification. Other conditions may apply. The lowest possible rate is shown, your rate may vary.

Checked Nov 12, 2026Source firstcitycu.org

Calculate payment, First City Credit Union, 5.13% APR, new, 48 monthsVisit lender, First City Credit Union, 5.13% APR, new, 48 months ↗

CAChecked Nov 12, 2026

New
As low as

5.24%APR60 months

Example: $25,000 financed for 60 months at 5.24% APR. Estimated payment: $475/mo

Requires:LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less. Your rate still depends on creditworthiness, term, and eligibility.LA County & groupsLA County & groups: For a specific group: only open to employees, retirees, or members of an eligible Los Angeles County Department, organization, or company; immediate family (spouse, parents, children, siblings, grandparents) or household of a First City member; or people who live, work, worship, or go to school in its communities throughout Los Angeles County and parts of San Bernardino County. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Auto Loan Terms and Rates: 60 months, New Auto Rate APR* as low as 5.24%. Rates are current and effective as of: November 12, 2026. *APR= Annual Percentage Rate and is subject to change without notice and is based on your overall creditworthiness. All loans are subject to credit approval. Minimum $10,000 loan required on terms longer than 60 months. The minimum payment amount is $50.00. Maximum repayment term dependent on loan amount. 0.50% Rate Discount available for loan-to-value of less than or equal to 80%. Rate increase of 0.50% for vehicle mileage of 140,000 or more. 96-month rate exclusive to best qualified borrowers on New Vehicles only with a minimum amount of $40,000. New Vehicles = less than 5,000 miles. Certain model year restrictions may apply, please contact First City for clarification. Other conditions may apply. The lowest possible rate is shown, your rate may vary.

Checked Nov 12, 2026Source firstcitycu.org

Calculate payment, First City Credit Union, 5.24% APR, new, 60 monthsVisit lender, First City Credit Union, 5.24% APR, new, 60 months ↗

CAChecked Nov 12, 2026

New
As low as

5.38%APR72 months

Example: $25,000 financed for 72 months at 5.38% APR. Estimated payment: $408/mo

Requires:LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less. Your rate still depends on creditworthiness, term, and eligibility.Min. loan $10,000Min. loan $10,000: The lender publishes this rate with a $10,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.LA County & groupsLA County & groups: For a specific group: only open to employees, retirees, or members of an eligible Los Angeles County Department, organization, or company; immediate family (spouse, parents, children, siblings, grandparents) or household of a First City member; or people who live, work, worship, or go to school in its communities throughout Los Angeles County and parts of San Bernardino County. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Auto Loan Terms and Rates: 72 months, New Auto Rate APR* as low as 5.38%. Rates are current and effective as of: November 12, 2026. *APR= Annual Percentage Rate and is subject to change without notice and is based on your overall creditworthiness. All loans are subject to credit approval. Minimum $10,000 loan required on terms longer than 60 months. The minimum payment amount is $50.00. Maximum repayment term dependent on loan amount. 0.50% Rate Discount available for loan-to-value of less than or equal to 80%. Rate increase of 0.50% for vehicle mileage of 140,000 or more. 96-month rate exclusive to best qualified borrowers on New Vehicles only with a minimum amount of $40,000. New Vehicles = less than 5,000 miles. Certain model year restrictions may apply, please contact First City for clarification. Other conditions may apply. The lowest possible rate is shown, your rate may vary.

Checked Nov 12, 2026Source firstcitycu.org

Calculate payment, First City Credit Union, 5.38% APR, new, 72 monthsVisit lender, First City Credit Union, 5.38% APR, new, 72 months ↗

CAChecked Nov 12, 2026

New
As low as

5.88%APR84 months

Example: $25,000 financed for 84 months at 5.88% APR. Estimated payment: $364/mo

Requires:LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less. Your rate still depends on creditworthiness, term, and eligibility.Min. loan $10,000Min. loan $10,000: The lender publishes this rate with a $10,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.LA County & groupsLA County & groups: For a specific group: only open to employees, retirees, or members of an eligible Los Angeles County Department, organization, or company; immediate family (spouse, parents, children, siblings, grandparents) or household of a First City member; or people who live, work, worship, or go to school in its communities throughout Los Angeles County and parts of San Bernardino County. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Auto Loan Terms and Rates: 84 months, New Auto Rate APR* as low as 5.88%. Rates are current and effective as of: November 12, 2026. *APR= Annual Percentage Rate and is subject to change without notice and is based on your overall creditworthiness. All loans are subject to credit approval. Minimum $10,000 loan required on terms longer than 60 months. The minimum payment amount is $50.00. Maximum repayment term dependent on loan amount. 0.50% Rate Discount available for loan-to-value of less than or equal to 80%. Rate increase of 0.50% for vehicle mileage of 140,000 or more. 96-month rate exclusive to best qualified borrowers on New Vehicles only with a minimum amount of $40,000. New Vehicles = less than 5,000 miles. Certain model year restrictions may apply, please contact First City for clarification. Other conditions may apply. The lowest possible rate is shown, your rate may vary.

Checked Nov 12, 2026Source firstcitycu.org

Calculate payment, First City Credit Union, 5.88% APR, new, 84 monthsVisit lender, First City Credit Union, 5.88% APR, new, 84 months ↗

CAChecked Nov 12, 2026

New
As low as

6.38%APR96 months

Example: $25,000 financed for 96 months at 6.38% APR. Estimated payment: $334/mo

Requires:LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less. Your rate still depends on creditworthiness, term, and eligibility.Min. loan $40,000Min. loan $40,000: The lender publishes this rate with a $40,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.LA County & groupsLA County & groups: For a specific group: only open to employees, retirees, or members of an eligible Los Angeles County Department, organization, or company; immediate family (spouse, parents, children, siblings, grandparents) or household of a First City member; or people who live, work, worship, or go to school in its communities throughout Los Angeles County and parts of San Bernardino County. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Auto Loan Terms and Rates: 96 months, New Auto Rate APR* as low as 6.38%. Rates are current and effective as of: November 12, 2026. *APR= Annual Percentage Rate and is subject to change without notice and is based on your overall creditworthiness. All loans are subject to credit approval. Minimum $10,000 loan required on terms longer than 60 months. The minimum payment amount is $50.00. Maximum repayment term dependent on loan amount. 0.50% Rate Discount available for loan-to-value of less than or equal to 80%. Rate increase of 0.50% for vehicle mileage of 140,000 or more. 96-month rate exclusive to best qualified borrowers on New Vehicles only with a minimum amount of $40,000. New Vehicles = less than 5,000 miles. Certain model year restrictions may apply, please contact First City for clarification. Other conditions may apply. The lowest possible rate is shown, your rate may vary.

Checked Nov 12, 2026Source firstcitycu.org

Calculate payment, First City Credit Union, 6.38% APR, new, 96 monthsVisit lender, First City Credit Union, 6.38% APR, new, 96 months ↗
4.99%APR

New car

Visit lender, First City Credit Union, 4.99% APR, new, 36 months

CAChecked Nov 12, 202636 months

Example: $25,000 financed for 36 months at 4.99% APR. Estimated payment: $750/mo

LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less. Your rate still depends on creditworthiness, term, and eligibility.LA County & groupsLA County & groups: For a specific group: only open to employees, retirees, or members of an eligible Los Angeles County Department, organization, or company; immediate family (spouse, parents, children, siblings, grandparents) or household of a First City member; or people who live, work, worship, or go to school in its communities throughout Los Angeles County and parts of San Bernardino County. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
5.13%APR

New car

Visit lender, First City Credit Union, 5.13% APR, new, 48 months

CAChecked Nov 12, 202648 months

Example: $25,000 financed for 48 months at 5.13% APR. Estimated payment: $578/mo

LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less. Your rate still depends on creditworthiness, term, and eligibility.LA County & groupsLA County & groups: For a specific group: only open to employees, retirees, or members of an eligible Los Angeles County Department, organization, or company; immediate family (spouse, parents, children, siblings, grandparents) or household of a First City member; or people who live, work, worship, or go to school in its communities throughout Los Angeles County and parts of San Bernardino County. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
5.24%APR

New car

Visit lender, First City Credit Union, 5.24% APR, new, 60 months

CAChecked Nov 12, 202660 months

Example: $25,000 financed for 60 months at 5.24% APR. Estimated payment: $475/mo

LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less. Your rate still depends on creditworthiness, term, and eligibility.LA County & groupsLA County & groups: For a specific group: only open to employees, retirees, or members of an eligible Los Angeles County Department, organization, or company; immediate family (spouse, parents, children, siblings, grandparents) or household of a First City member; or people who live, work, worship, or go to school in its communities throughout Los Angeles County and parts of San Bernardino County. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
5.38%APR

New car

Visit lender, First City Credit Union, 5.38% APR, new, 72 months

CAChecked Nov 12, 202672 months

Example: $25,000 financed for 72 months at 5.38% APR. Estimated payment: $408/mo

LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less. Your rate still depends on creditworthiness, term, and eligibility.Min. loan $10,000Min. loan $10,000: The lender publishes this rate with a $10,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreLA County & groupsLA County & groups: For a specific group: only open to employees, retirees, or members of an eligible Los Angeles County Department, organization, or company; immediate family (spouse, parents, children, siblings, grandparents) or household of a First City member; or people who live, work, worship, or go to school in its communities throughout Los Angeles County and parts of San Bernardino County. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
5.88%APR

New car

Visit lender, First City Credit Union, 5.88% APR, new, 84 months

CAChecked Nov 12, 202684 months

Example: $25,000 financed for 84 months at 5.88% APR. Estimated payment: $364/mo

LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less. Your rate still depends on creditworthiness, term, and eligibility.Min. loan $10,000Min. loan $10,000: The lender publishes this rate with a $10,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreLA County & groupsLA County & groups: For a specific group: only open to employees, retirees, or members of an eligible Los Angeles County Department, organization, or company; immediate family (spouse, parents, children, siblings, grandparents) or household of a First City member; or people who live, work, worship, or go to school in its communities throughout Los Angeles County and parts of San Bernardino County. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
6.38%APR

New car

Visit lender, First City Credit Union, 6.38% APR, new, 96 months

CAChecked Nov 12, 202696 months

Example: $25,000 financed for 96 months at 6.38% APR. Estimated payment: $334/mo

LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less. Your rate still depends on creditworthiness, term, and eligibility.Min. loan $40,000Min. loan $40,000: The lender publishes this rate with a $40,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreLA County & groupsLA County & groups: For a specific group: only open to employees, retirees, or members of an eligible Los Angeles County Department, organization, or company; immediate family (spouse, parents, children, siblings, grandparents) or household of a First City member; or people who live, work, worship, or go to school in its communities throughout Los Angeles County and parts of San Bernardino County. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

UsedUsed car rates · 5 rates

CAChecked Nov 12, 2026

Used
As low as

5.24%APR36 months

Example: $25,000 financed for 36 months at 5.24% APR. Estimated payment: $752/mo

Requires:LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less. Your rate still depends on creditworthiness, term, and eligibility.LA County & groupsLA County & groups: For a specific group: only open to employees, retirees, or members of an eligible Los Angeles County Department, organization, or company; immediate family (spouse, parents, children, siblings, grandparents) or household of a First City member; or people who live, work, worship, or go to school in its communities throughout Los Angeles County and parts of San Bernardino County. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Auto Loan Terms and Rates: 36 months, Used Auto Rate APR* as low as 5.24%. Rates are current and effective as of: November 12, 2026. *APR= Annual Percentage Rate and is subject to change without notice and is based on your overall creditworthiness. All loans are subject to credit approval. Minimum $10,000 loan required on terms longer than 60 months. The minimum payment amount is $50.00. Maximum repayment term dependent on loan amount. 0.50% Rate Discount available for loan-to-value of less than or equal to 80%. Rate increase of 0.50% for vehicle mileage of 140,000 or more. 96-month rate exclusive to best qualified borrowers on New Vehicles only with a minimum amount of $40,000. New Vehicles = less than 5,000 miles. Certain model year restrictions may apply, please contact First City for clarification. Other conditions may apply. The lowest possible rate is shown, your rate may vary.

Checked Nov 12, 2026Source firstcitycu.org

Calculate payment, First City Credit Union, 5.24% APR, used, 36 monthsVisit lender, First City Credit Union, 5.24% APR, used, 36 months ↗

CAChecked Nov 12, 2026

Used
As low as

5.38%APR48 months

Example: $25,000 financed for 48 months at 5.38% APR. Estimated payment: $581/mo

Requires:LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less. Your rate still depends on creditworthiness, term, and eligibility.LA County & groupsLA County & groups: For a specific group: only open to employees, retirees, or members of an eligible Los Angeles County Department, organization, or company; immediate family (spouse, parents, children, siblings, grandparents) or household of a First City member; or people who live, work, worship, or go to school in its communities throughout Los Angeles County and parts of San Bernardino County. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Auto Loan Terms and Rates: 48 months, Used Auto Rate APR* as low as 5.38%. Rates are current and effective as of: November 12, 2026. *APR= Annual Percentage Rate and is subject to change without notice and is based on your overall creditworthiness. All loans are subject to credit approval. Minimum $10,000 loan required on terms longer than 60 months. The minimum payment amount is $50.00. Maximum repayment term dependent on loan amount. 0.50% Rate Discount available for loan-to-value of less than or equal to 80%. Rate increase of 0.50% for vehicle mileage of 140,000 or more. 96-month rate exclusive to best qualified borrowers on New Vehicles only with a minimum amount of $40,000. New Vehicles = less than 5,000 miles. Certain model year restrictions may apply, please contact First City for clarification. Other conditions may apply. The lowest possible rate is shown, your rate may vary.

Checked Nov 12, 2026Source firstcitycu.org

Calculate payment, First City Credit Union, 5.38% APR, used, 48 monthsVisit lender, First City Credit Union, 5.38% APR, used, 48 months ↗

CAChecked Nov 12, 2026

Used
As low as

5.49%APR60 months

Example: $25,000 financed for 60 months at 5.49% APR. Estimated payment: $478/mo

Requires:LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less. Your rate still depends on creditworthiness, term, and eligibility.LA County & groupsLA County & groups: For a specific group: only open to employees, retirees, or members of an eligible Los Angeles County Department, organization, or company; immediate family (spouse, parents, children, siblings, grandparents) or household of a First City member; or people who live, work, worship, or go to school in its communities throughout Los Angeles County and parts of San Bernardino County. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Auto Loan Terms and Rates: 60 months, Used Auto Rate APR* as low as 5.49%. Rates are current and effective as of: November 12, 2026. *APR= Annual Percentage Rate and is subject to change without notice and is based on your overall creditworthiness. All loans are subject to credit approval. Minimum $10,000 loan required on terms longer than 60 months. The minimum payment amount is $50.00. Maximum repayment term dependent on loan amount. 0.50% Rate Discount available for loan-to-value of less than or equal to 80%. Rate increase of 0.50% for vehicle mileage of 140,000 or more. 96-month rate exclusive to best qualified borrowers on New Vehicles only with a minimum amount of $40,000. New Vehicles = less than 5,000 miles. Certain model year restrictions may apply, please contact First City for clarification. Other conditions may apply. The lowest possible rate is shown, your rate may vary.

Checked Nov 12, 2026Source firstcitycu.org

Calculate payment, First City Credit Union, 5.49% APR, used, 60 monthsVisit lender, First City Credit Union, 5.49% APR, used, 60 months ↗

CAChecked Nov 12, 2026

Used
As low as

5.63%APR72 months

Example: $25,000 financed for 72 months at 5.63% APR. Estimated payment: $410/mo

Requires:LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less. Your rate still depends on creditworthiness, term, and eligibility.Min. loan $10,000Min. loan $10,000: The lender publishes this rate with a $10,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.LA County & groupsLA County & groups: For a specific group: only open to employees, retirees, or members of an eligible Los Angeles County Department, organization, or company; immediate family (spouse, parents, children, siblings, grandparents) or household of a First City member; or people who live, work, worship, or go to school in its communities throughout Los Angeles County and parts of San Bernardino County. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Auto Loan Terms and Rates: 72 months, Used Auto Rate APR* as low as 5.63%. Rates are current and effective as of: November 12, 2026. *APR= Annual Percentage Rate and is subject to change without notice and is based on your overall creditworthiness. All loans are subject to credit approval. Minimum $10,000 loan required on terms longer than 60 months. The minimum payment amount is $50.00. Maximum repayment term dependent on loan amount. 0.50% Rate Discount available for loan-to-value of less than or equal to 80%. Rate increase of 0.50% for vehicle mileage of 140,000 or more. 96-month rate exclusive to best qualified borrowers on New Vehicles only with a minimum amount of $40,000. New Vehicles = less than 5,000 miles. Certain model year restrictions may apply, please contact First City for clarification. Other conditions may apply. The lowest possible rate is shown, your rate may vary.

Checked Nov 12, 2026Source firstcitycu.org

Calculate payment, First City Credit Union, 5.63% APR, used, 72 monthsVisit lender, First City Credit Union, 5.63% APR, used, 72 months ↗

CAChecked Nov 12, 2026

Used
As low as

6.13%APR84 months

Example: $25,000 financed for 84 months at 6.13% APR. Estimated payment: $367/mo

Requires:LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less. Your rate still depends on creditworthiness, term, and eligibility.Min. loan $10,000Min. loan $10,000: The lender publishes this rate with a $10,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.LA County & groupsLA County & groups: For a specific group: only open to employees, retirees, or members of an eligible Los Angeles County Department, organization, or company; immediate family (spouse, parents, children, siblings, grandparents) or household of a First City member; or people who live, work, worship, or go to school in its communities throughout Los Angeles County and parts of San Bernardino County. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Auto Loan Terms and Rates: 84 months, Used Auto Rate APR* as low as 6.13%. Rates are current and effective as of: November 12, 2026. *APR= Annual Percentage Rate and is subject to change without notice and is based on your overall creditworthiness. All loans are subject to credit approval. Minimum $10,000 loan required on terms longer than 60 months. The minimum payment amount is $50.00. Maximum repayment term dependent on loan amount. 0.50% Rate Discount available for loan-to-value of less than or equal to 80%. Rate increase of 0.50% for vehicle mileage of 140,000 or more. 96-month rate exclusive to best qualified borrowers on New Vehicles only with a minimum amount of $40,000. New Vehicles = less than 5,000 miles. Certain model year restrictions may apply, please contact First City for clarification. Other conditions may apply. The lowest possible rate is shown, your rate may vary.

Checked Nov 12, 2026Source firstcitycu.org

Calculate payment, First City Credit Union, 6.13% APR, used, 84 monthsVisit lender, First City Credit Union, 6.13% APR, used, 84 months ↗
5.24%APR

Used car

Visit lender, First City Credit Union, 5.24% APR, used, 36 months

CAChecked Nov 12, 202636 months

Example: $25,000 financed for 36 months at 5.24% APR. Estimated payment: $752/mo

LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less. Your rate still depends on creditworthiness, term, and eligibility.LA County & groupsLA County & groups: For a specific group: only open to employees, retirees, or members of an eligible Los Angeles County Department, organization, or company; immediate family (spouse, parents, children, siblings, grandparents) or household of a First City member; or people who live, work, worship, or go to school in its communities throughout Los Angeles County and parts of San Bernardino County. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
5.38%APR

Used car

Visit lender, First City Credit Union, 5.38% APR, used, 48 months

CAChecked Nov 12, 202648 months

Example: $25,000 financed for 48 months at 5.38% APR. Estimated payment: $581/mo

LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less. Your rate still depends on creditworthiness, term, and eligibility.LA County & groupsLA County & groups: For a specific group: only open to employees, retirees, or members of an eligible Los Angeles County Department, organization, or company; immediate family (spouse, parents, children, siblings, grandparents) or household of a First City member; or people who live, work, worship, or go to school in its communities throughout Los Angeles County and parts of San Bernardino County. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
5.49%APR

Used car

Visit lender, First City Credit Union, 5.49% APR, used, 60 months

CAChecked Nov 12, 202660 months

Example: $25,000 financed for 60 months at 5.49% APR. Estimated payment: $478/mo

LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less. Your rate still depends on creditworthiness, term, and eligibility.LA County & groupsLA County & groups: For a specific group: only open to employees, retirees, or members of an eligible Los Angeles County Department, organization, or company; immediate family (spouse, parents, children, siblings, grandparents) or household of a First City member; or people who live, work, worship, or go to school in its communities throughout Los Angeles County and parts of San Bernardino County. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
5.63%APR

Used car

Visit lender, First City Credit Union, 5.63% APR, used, 72 months

CAChecked Nov 12, 202672 months

Example: $25,000 financed for 72 months at 5.63% APR. Estimated payment: $410/mo

LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less. Your rate still depends on creditworthiness, term, and eligibility.Min. loan $10,000Min. loan $10,000: The lender publishes this rate with a $10,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreLA County & groupsLA County & groups: For a specific group: only open to employees, retirees, or members of an eligible Los Angeles County Department, organization, or company; immediate family (spouse, parents, children, siblings, grandparents) or household of a First City member; or people who live, work, worship, or go to school in its communities throughout Los Angeles County and parts of San Bernardino County. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
6.13%APR

Used car

Visit lender, First City Credit Union, 6.13% APR, used, 84 months

CAChecked Nov 12, 202684 months

Example: $25,000 financed for 84 months at 6.13% APR. Estimated payment: $367/mo

LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less. Your rate still depends on creditworthiness, term, and eligibility.Min. loan $10,000Min. loan $10,000: The lender publishes this rate with a $10,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreLA County & groupsLA County & groups: For a specific group: only open to employees, retirees, or members of an eligible Los Angeles County Department, organization, or company; immediate family (spouse, parents, children, siblings, grandparents) or household of a First City member; or people who live, work, worship, or go to school in its communities throughout Los Angeles County and parts of San Bernardino County. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures