Auto Loans Built for You.
New & Used Auto Loans
Apply online in minutes for your next auto loan and take advantage of our member perks!
- Low Rates
- Flexible Terms
- Local Service
- Quick Decision Making
Auto Loan Refinances
Refinancing your current auto loan at a lower rate could save you money over the life of your loan and even lower your monthly payments.
- Smooth and Easy Process
- Lower Your Payments
- Save Money
Stress Free Financing
The First Community Credit Union lending team is ready to help you finance your next big purchase. We offer competitive rates, quick decision making and a high level of service. Get a loan you can count on at FCCU.
The FCCU Difference: Our People
Our team can help you finance your vehicle with the high level of service that our membership has grown to love and expect. Our employees are what makes FCCU an award-winning financial institution while keeping a local, community-based focus.
BETTER RATES & LOWER FEES
Because we are a financial cooperative, our income is returned to our members in the form of lower loans rates, higher savings rates and lower fees.
YOU ARE AN OWNER
A credit union is a not-for-profit cooperative, which means our members are the owners.
SERVICE FIRST
We genuinely care about our members and go the extra mile for you. Whether it's in-branch or online, you can find local decision making that's fast, convenient and personal.
Protection You Can Count On
Our GAP and Warranty protections are designed to protect you against significant financial loss and hardship. In 2025, our members saved over $500k with our Route 66 warranty alone.
Simple Loan Calculator
This calculator can help you get a general idea of monthly payments you would expect for a simple loan.
Find a Branch
First Community Credit Union is committed to providing convenient service in communities across North Dakota and NW Minnesota. Visit one of our 26 branches to meet directly with our team.
About Our Auto Loans
When you’re searching for auto loans in North Dakota or Minnesota, you want a financing option that’s simple, affordable and built around your needs. At First Community Credit Union, we offer competitive car loan rates, flexible terms and a fast, straightforward application process to help you get behind the wheel with confidence. Whether you’re buying a new or used vehicle, refinancing an existing loan or upgrading your current ride, our team is here to make the process smooth from start to finish.
As a member-owned credit union, First Community Credit Union is committed to providing low auto loan rates and personalized service. Our local decision making means faster approvals, clear communication and loan options tailored to your financial situation. From first-time car buyers to experienced borrowers looking to refinance, we work with you to find the right solution for your budget and goals.
We offer financing for a wide range of vehicles, including cars, trucks and SUVs, with options designed to fit your lifestyle. If you’re comparing car loans near you, vehicle financing options or auto loan rates in North Dakota and Minnesota, First Community Credit Union is proud to serve our local communities with trusted lending solutions.
Ready to get started? Apply in minutes online today or explore our current loan specials to take advantage of limited time offers on auto financing.