Auto Loans


Time for a new ride? Or maybe you want to keep your car, but want to pay less for it.

Either way, now is the perfect time to apply for an auto loan! For a limited time, you can take advantage of this special offer:

  • No payments for 90 days
  • $100 bonus cash on loans $10,000 or greater
  • Available for new and used vehicles, or to refinance from another institution
  • Motorcycles are included, too!


That’s even more money in your pocket, and couldn’t we all use a little extra right now?


Apply Online!

or call (985) 867-8867


  • Annual Percentage Rates as low as 2.99%2
  • Refinance3 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.
  • up to 120% financing4

Protection for you and your auto

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.

Apply Online!

or call (985) 867-8867



1Special Offer: First Castle membership required to close a loan. If you are not a member, you must be eligible to open a Primary Share account to become one. The deposit to open a Primary Share account starts at a minimum of $5 . For existing members, deposit or loan accounts must be in good standing at the time of application. Loan approval based on certain credit criteria and credit worthiness. Not everyone will qualify. First payment will be due no more than 90 days after loan is funded. Period may be shorter than 90 days if member opts to choose a different due date to coincide with payroll or for any other reason. Skipped payments will be deferred and extended to the end of the original term of the loan. Additional interest will accrue on the deferred payments throughout this deferred payment period. Skipped payments will affect the loan’s annual percentage rate (APR) for the statement period(s) in which the payments were skipped. $100 bonus cash will only be given for auto loans that are new to First Castle with a loan amount greater than or equal to $10,000. Cash will be disbursed directly to the member’s First Castle checking account. If the member does not have a checking account, funds will be disbursed to member’s primary share or savings account instead. If the First Castle checking or savings account has a negative balance, the $100 will be used to offset the negative balance. If negative account balance exceeds $100, member may be required to deposit any additional funds necessary to bring the account to good standing before the bonus will be deposited. No substitutions. Offer valid for new or used auto or motorcycle loans and for refinancing auto or motorcycle loans from another financial institution. Cannot be combined with any other loan. Offer valid for a limited time and is subject to change or end at any time. Other restrictions apply. See a representative for details.

2APR = Annual Percentage Rate. Rate shown above are the lowest offered by First Castle for the advertised product. Approval based on certain credit criteria and credit worthiness. Not everyone will qualify for rate advertised. Rate and term determined by credit worthiness, collateral and loan to value. Terms range from 0-84 months. Financing at 2.99% APR equals an estimated $22.13 monthly payment for 48 months per $1,000 borrowed. Refinancing a loan already financed with First Castle may warrant a 1% rate increase to the qualifying rate without additional cash. If refinancing a loan currently financed by another financial institution, registration fees may apply. Collateral older than six model years may see a rate increase of 1.5%. Volunteer collateral protection products available at additional costs. Some restrictions apply. See representative for details.

3Existing auto loans at First Castle Federal Credit Union are not eligible for refinancing at FCFCU.

4Based 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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