Auto Loans & Motorcycle Loans

Our Auto Loans Make Buying or Refinancing Easy

Whether you’re buying a car, truck or motorcycle, new or used or refinancing from another lender, we make the auto loan process quick and easy! Take advantage of competitive rates, quick approvals, personal service at our Des Moines and West Des Moines locations, and the following auto-buying tools:

  • Stress-Free Car Buying Service – Use our stress-free car buying site to search, shop and finance a new or used vehicle.
  • Convenient Financing at the Dealership – If you find yourself at the dealership ready to buy, ask the dealer for First Class Community Credit Union financing.  It’s that simple!

Ready to Apply For a Vehicle Loan? We make the process simple!

Want to Learn More About Our Car, Truck & Motorcycle Loans?

Mechanical Repair CoverageA graphic explaining mechanical repair coverage

Essential protection against costly repairs

MEMBER’S CHOICE® Mechanical Repair Coverage* may help limit unexpected covered repair costs as your vehicle ages, potentially saving you thousands of dollars in repairs. What’s more, it works at any authorized repair facility in the U.S. or Canada. With different coverage levels and deductibles to choose, there’s a plan to fit your family’s budget.

*Program details may vary by state.

Auto & Motorcycle Loan FAQs

Auto loans allow you to borrow money to purchase a vehicle and repay the loan with monthly payments over a set period.

Credit requirements vary but FCCCU evaluates your credit history, income, and ability to repay the loan.

Yes. Pre‑approval lets you know your budget ahead of time and helps you shop for vehicles more confidently.

Most auto loans range from 36 to 72 months depending on the vehicle price and borrower qualifications.

Yes. Refinancing may help lower your interest rate or monthly payment if your credit or financial situation has improved.

Auto loans may be used for new or used cars, trucks, SUVs, and motorcycles.

FCCCU often offers competitive rates and more personalized service compared to dealership financing. We also take the time to look at your complete financial picture and help you determine the best option for your needs, so you can make a more informed borrowing decision.

 FCCCU recommends keeping your total auto expenses within a manageable portion of your monthly income.

Yes. FCCCU provides financing for both new and used vehicles.

Please use our convenient and secure online loan application to apply for an auto loan.

 


Our branches will be closed on Monday, May 25th for Memorial Day.