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AUTO Loans

Quick and easy financing with Firefly.

Save valuable time and money whether you’re buying a new or used car, truck, or motorcycle or refinancing an existing loan with our low auto loan rates, simple application, and timely decisions so you can focus on more important things in life.

Compared to banks, members save an average of $314 annually with a Firefly auto loan.
Learn more about the value of a Firefly membership.

Competitive Rates

Competitive Rates

Keep more in your pocket with new & used auto loan rates as low as 2.99% APR*

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No Refinancing Fees

No Refinancing Fees

Move your current loan to Firefly to take advantage of a lower rate without the added cost

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Terms That Work For You

Terms That Work For You

Choose from 24 to 72 months to pay it off sooner or to manage lower payments

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Quick & Easy Financing

Quick & Easy Financing

Enjoy same day financing and no payments for 90 days (interest will accrue during that time)

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Cars, Trucks, SUVs, Vans & Street-legal Motorcycles

Effective January 1, 2020; APR as low as based on model year

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Term 2016 and newer 2015 and older
0 to 24 months 2.99% 3.59%
25 to 36 months 2.99% 3.59%
37 to 48 months 3.09% 3.69%
49 to 60 months 3.29% 3.94%
61 to 72 months 3.59% 4.94%
73 to 84 months - $25,000+ 3.99% N/A%

Rates may be higher depending on credit qualifications, model year and the loan term. Credit qualifications determine eligibility for 100% financing, in some cases a down payment may be required. Interest will accrue during first 90 days without payment. Existing Firefly loans can only be refinanced to a lower rate if an additional $2,500 is added to the loan balance.

All loans subject to normal credit approval. Rates and terms subject to change without notice. Contact a Firefly loan officer for details. All loan rates presented for consumer loans only and not applicable to business loans.

TruStage Auto & Home Insurance

Designed for credit union members like you, TruStage provides affordable, top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service.

Loan Coverage

When you apply for a Firefly vehicle loan, ask about our additional product options:

  • MEMBER’S CHOICE® Mechanical Repair Coverage (MRC) may cover a wide range of repairs and includes 24/7 roadside assistance.
  • MEMBER’S CHOICE® Guaranteed Asset Protection (GAP) helps cover the difference between an insurance settlement and your loan balance in the event of a totaled or stolen vehicle.
  • MEMBER’S CHOICE® Credit Life & Disability Insurance may help cover loan payments in the event of death or total disability.

MEMBER’S CHOICE® Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in WA, where coverage is provided and administered by Automotive Warranty Services, Inc., in FL, LA , OK and WI, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023) and in AZ, where the Obligor and Administrator is Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago Illinois 60604, (800) 752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. In those states where Mechanical Repair Coverage is offered as insurance (form MCCU-001-MBI) it is underwritten by Virginia Surety Company, Inc. Your purchase of MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the terms of any credit agreement you have with Us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid. Your purchase of MEMBER’S CHOICE® Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Group Policy for a full explanation of the terms. CDCL, GAP, MRC-1362376.1-1115-1217

Assistance and Discounts

We provide tools to shop for vehicles and save money on insurance.

  • RECON Ltd’s free services include negotiating the best price for your vehicle with no obligation to purchase through them. Contact Randy Wintheiser at (952) 736-5074 or email him.

Vehicle Value Statements

As a benefit of having a Firefly auto loan, we'll provide you with an N.A.D.A.-based estimate of your vehicle's equity, designed to help prepare your buying strategy if you’re thinking of selling or trading in your vehicle.



Want to know something else?

Get going on your next adventure.

You make decisions all day, so making even one more (especially a financial one) can be overwhelming. Let Firefly guide you through the auto loan process so you're better equipped to decide what's right for you and your goals.

Did you know...

Vehicles can have equity like homes.

You can tap into your vehicle’s equity to use for home improvements, a vacation, or to pay off higher-rate debt like credit cards.

Find your vehicle's value   Contact us

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