Auto Loans

Declining Rate Auto Loan

With America First's new Auto Loan program, your rate will drop with each on-time payment. Just finance your next vehicle or refinance your existing loan at a low initial rate - and watch it fall every month, saving you money as the weeks go by. This unique loan is ideal for members who like to keep their vehicles throughout their terms. Drop by one of our many branch locations to learn more, apply online, or call 1-800-999-3961 for details.

Declining Rate Auto Loan
Instant Approvals

New Auto Loans

New Auto Loans
  • Get preapproved before you go to the dealership.
  • Take advantage of competitive fixed and variable rates.
  • Benefit from the best in member service.
Instant Approvals

Used Auto Loans

Used Auto Loans
  • Instant online approvals.
  • Flexible rate & term options.
  • We're one of the Intermountain West's top auto lenders.
Instant Approvals

Auto Refinance Loans

Auto Refinance Loans
  • Fast online approvals.
  • Lower your existing payment & rate.
  • Pay off your loan quicker.
  • Choose a flexible term.
Instant Approvals
Vehicle Values

Auto Loans Rating


Vehicle Rates

F/V Term APR
Fixed 5 years 2.99%
Variable 5 years 2.99%
Fixed 6 years 3.24%
Variable 6 years 3.24%
Fixed 7 years 3.99%
Variable 7 years 3.99%
Fixed 8 years 5.24%
Variable 8 years 5.24%
Rates Effective April 07, 2014
Type F/V Term APR
new/used rv balloon 7/15 Fixed 15 years 4.99%
new/used rv balloon 10/20 Fixed 20 years 5.24%
new rv** Fixed 10 years 4.50%
new rv** Variable 12 years 3.50%
motorcycle*** Variable 7 years 3.50%
motorcycle*** Fixed 7 years 4.50%
motorcycle** Fixed 10 years 4.50%
motorcycle** Variable 12 years 3.50%
atv / small watercraft / snowmobile*** Variable 7 years 3.50%
atv / small watercraft / snowmobile*** Fixed 7 years 4.50%
Rates Effective April 07, 2014

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Declining Rate Chart