Auto Loans

An auto loan that gets you on the road!

The car you want is within reach with our low rates. First Castle has some of the best auto loan interest rates in St. Tammany. Whether you are shopping for a new or used car or looking to refinance your existing auto loan, we can help.

  • Excellent car loan rates
  • Refinance* your higher rate auto loans and save
  • Apply online in just minutes
  • Same day approval in most cases
  • No prepayment penalties. Reduce your interest by paying early.
  • Flexible terms from 36 to 84 months
  • up to 120% financing**

Protection for your auto

Borrow enough to cover not only the purchase price, but also your supplemental insurance, extended warranty, license plate fees and taxes. Debt protection also available.

Mechanical Repair Coverage (MRC) extended service agreement

An MRC extended service agreement helps pay for covered repairs on your car when that unexpected breakdown occurs – potentially saving you hundreds or even thousands. MRC complements your manufacturer’s warranty , and that protection can continue after your manufacturer’s warranty expires. Read more about coverage for both new and used vehicles.

Guaranteed Asset protection (GAP) Advantage

If your vehicle is ever damaged beyond repair, declared as a total loss, or stolen, there could be a “gap” between what your auto insurance pays and what you owe on your loan. Without GAP insurance, that “gap” will come out of your pocket. GAP is debt protection to save you from making loan payments on a vehicle that you can no longer use.

Tire & Wheel coverage

Provides coverage on new and used vehicles in the event of damage to your tires or wheels due to road hazards such as glass, metal, potholes, debris, nails, blowouts, etc.

Credit insurance

Credit life & credit disability insurance could help you to make your loan payments when you can’t. Protecting your loan payment against the unexpected could help you protect your finances and help to lighten the burden of the people you care about. Insure your loan payments today so you can worry a little less about tomorrow.

Loan FAQs

My last car loan was with First Castle. I would like to finance with FCFCU again.
Terrific! It’s always a good idea to come to us for a pre-approval before you visit the dealerships. To get started, simply click here to complete an online loan application, and a loan officer will be in touch. It’s that easy.
I want to refinance my truck at First Castle. What do I need to do?
With a refinance our members can save BIG, and we love saving our members money on their car loans! To refinance, you will need a current vehicle registration and current mileage. Also, call the current financial institution to find out the 10 day payoff. We will need that too. Then go ahead and click here to complete an online loan application, and a loan officer will be in touch!
What is my loan payment amount and due date? Where can I find that?
For your First Castle FCU loan information, you simply sign into Home Banking or the mobile app. In both Home Banking and the mobile app, click on the loan account in the list of accounts, and the system will show you the loan balance, payment due date, payment amount, and the loan interest rate.

P. S. You also may be interested in the 6 different ways to make a loan payment.

Apply Online!

or call (985) 867-8867



Annual Percentage Rate (APR) is based on creditworthiness and is our best rate. Advertised rates are subject to change. Loan Example: $10,000.00 at 3.50% APR; 60 Monthly payments of approximately $181.92.

* Existing auto loans at First Castle Federal Credit Union are not eligible for refinancing at FCFCU.

** Based on credit worthiness.

Auto Loan Review 5 out of 5 Stars
“Nothing but good things to say, everyone was helpful, professional and fair. Everything went smooth and fast. On a scale from 1 to 10 I’d give them an 11.”
Member since 2017
Auto Loan

5 / 5
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