Mother and daughter meeting with loan officer- membership at 1st Ed

Vehicle Loans

Beat the heat with a better rate!

Car lineart

Beat the Heat of High Rates with a New or Used Car or Refinance at 1st Ed!

Are you looking for a new vehicle, or a way to save on your monthly payments? Save more for summer fun with our exclusive low rate: as low as 5.14% APR!*

  • Make 1st Ed your 1st stop- get preapproved to lock in your low rate before going to the dealership
  • Save with our limited-time-only low rate
  • No down payment required
  • 24/7 online access to make payments, check your balance, and more
  • Have peace of mind with affordable GAP Plus & 1st Ed Credit Union’s Protection Plus

Plus, when you open your new or used auto loan this summer you’ll be entered to win a $100 Visa gift card– your first tank of gas could be on us! Click the link below to start your application today.

Apply Now
Smiling couple talking to auto salesman next to vehicle

Buy Your Dream Car or Save Money by Refinancing your Vehicle Loan with 1st Ed!

Need a new car? Or looking for a way to save money every month on your vehicle loan?

  • Save with competitive rates
  • No down payment required
  • Get pre-approved for the loan for bargaining power
  • Apply online, in person, by phone, or fax
  • Make convenient payments online
  • Have loan security with GAP Plus & 1st Ed Credit Union’s Protection Plus– often at a lower cost than you’ll find at the dealership

Click below 24 hours a day to start your application. You can also call 717-264-6506 (option 6) for a representative to take your application by phone.

Apply Now

It Pays To Compare

A loan from 1st Ed almost always cost less than the competitors’. You’ll save with reasonable rates and terms. When reviewing your loan options, consider the money-saving features we offer at 1st Ed:

  • No prepayment penalties
  • No application fees
  • Simple interest – you only pay interest for the time you borrow the money
  • When you open your new or used auto loan this summer you’ll be entered to win a $100 Visa gift card– your first tank of gas could be on us!

Beat the Heat- New or Used Autos / Cars / Trucks / Motorcycles

Info and/or Terms APR
Up to 36 Months (as low as) 5.14%*

*APR=Annual Percentage Rate. APR and loan approval based on creditworthiness, loan term, loan to value, and age of collateral. Refinancing of 1st Ed loans do not qualify. Rates subject to change without prior notice. One winner per branch location selected at random to receive one $100 1st Ed Visa gift card from eligible loans finalized during promotional period. Equal Opportunity Lender. Not a member? Visit https://www.1edcu.org/about-us/membership/ to see if you qualify.

New or Used Autos / Cars / Trucks / Motorcycles

Info and/or Terms APR
Up to 36 months (as low as) 5.14%*
37 - 60 months (as low as) 5.24%*
61 - 72 months (as low as) 5.60%*

*APR=Annual Percentage Rate. APR and loan approval based on creditworthiness, loan term, loan to value, and age of collateral. Refinancing of 1st Ed loans do not qualify. Rates subject to change without prior notice. One winner per branch location selected at random to receive one $100 1st Ed Visa gift card from eligible loans finalized during promotional period. Equal Opportunity Lender. Not a member? Visit https://www.1edcu.org/about-us/membership/ to see if you qualify.

Loan Tips

Items needed when applying for:

A new Automobile, Motorcycle or Recreational Vehicle Loan:

  • Purchase and Sales Agreement
  • Current Pay Stub

A used Automobile, Motorcycle or Recreational Vehicle Loan:

  • Copy of certificate of title with vehicle identification number and proof that the vehicle is not a salvage/reconstructed vehicle

If your loan is approved prior to funds being disbursed, an insurance binder with the appropriate coverage showing 1st Ed Credit Union as lien holder will be required.

Beat the heat with a better rate! Auto loans as low as 5.14% APR.*

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