Getting your auto loan directly from Freedom First means you'll have 90 days to enjoy the ride before making your first payment.

Whether you're buying a car, dreaming of spending every weekend on the lake, or touring the country in an RV, we can help make it happen. Plus, if you're refinancing a loan from somewhere other than Freedom First, you can still enjoy that 90-day payment delay!1

Please note: in order to apply for a loan with us, you must live/work/go to school in one of these areas in Virginia. Please be sure to check our membership eligibility before applying.
New & Used Autos
Loans for new or used cars, trucks, motorcycles, RVs, boats, and trailers.

An affordable auto loan program paired with financial & vehicle maintenance education.

Dealer Partnerships
If you own an auto dealership and are looking for a dealer finance
partnership for your customers, contact us today for more information.










Already applied? You can check on your application at the link below.

All of our auto loans include these benefits:

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Membership with Freedom First
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Flexible Terms & Great Rates
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No penalty for early repayment
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Quick & easy process
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90 Day pay delay1
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Free Financial Education Resources
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Frequently Asked Questions

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Disclosures:
1Certain restrictions apply. Annual Percentage Rate (APR) is valid as of 2/1/26 and varies depending upon credit qualifications and selected terms. All rates are fixed unless otherwise indicated. Loans are subject to credit approval. Maximum loan term is 84 months. An estimated monthly payment of $356 would result for a loan amount of $20,000 at 8.50% for 72 months. Repayment terms may vary depending upon rate and selected terms. On qualifying loans originated directly by Freedom First Credit Union, payments begin after 90 days from the time of loan closing and cannot be deferred past that time. Interest accrues during the deferral period. No prepayment penalties. Model years and mileage limits may apply. Offer valid on auto loans not currently financed with Freedom First Credit Union and is subject to end or change at any time without notice. Please call 866-389-0244 for more information about this product and other services provided by Freedom First Credit Union.