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First Tech Federal Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 5 Sep 2023
Fact checked

A quick review of First Tech Federal Credit Union auto loans

First Tech Federal Credit Union logo

First Tech Federal Credit Union has a wide selection of vehicle loans. From pre-owned and new auto loans to boat loans, members can lock in competitive rates and flexible loans. Plus, First Tech members can enjoy no application, origination, and annual fees and easy car-buying services.

Want to see what a First Tech auto loan will cost? Try the First Tech Federal Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key First Tech Federal Credit Union auto loan features

  • Minimum loan amount: As low as $1,000 depending on your loan term.
  • Maximum loan amount: $300,000.
  • Interest rates: From 7.30% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: No application, origination, and annual fees. Minimum closing cost of around $200.
  • Discounts: Undisclosed.

FIRST TECH FED AUTO LOAN OPTIONS

New and used vehicle loans

Through First Tech, you can buy or refinance a vehicle for an affordable rate and stretch your term up to 84 months. For new auto loans, rates start at 7.30% APR. Then, 1 to 10 model years can start at 7.50% APR.

Recreational vehicle loans

First Tech Federal Credit Union also has loans for recreational vehicles – motor homes, campers, fifth wheel, and travel trailers. Plus, you can borrow from $1,500 to $300,000 and manage your vehicle for up to 180 months.

Motorcycle loans

If you want to go on the road with a two-wheel ride, the credit union has new and used motorcycle loans. You can finance up to 100% of the bike’s value for 60 months, and your interest rate can start at 7.35% APR.

Boat loans

Whether you’re looking for saltwater boats, sailboats, or inboard or outboard motorboats, First Tech also offers tailored boat loans. You can purchase or refinance new or used models up to 10 years old and fund up to $500,000. In addition, your loan terms can be as long as 180 months.

First Tech Federal Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
First Tech Federal Credit Union

First Tech Federal Credit Union auto loan

First Tech Federal Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate First Tech Federal Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to join First Tech Credit Union

To be a First Tech member, you should meet one of the following:

  • A family member or household member of a First Tech member
  • An employee or a family member of an employee of an innovative company on the credit union’s partner list or for the State of Oregon
  • Work or live in Lane County, Oregon
  • Member of the Computer History Museum or the Financial Fitness Association

What you’ll need to have ready

When you apply for auto financing with First Tech Federal Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

You may need to provide First Tech with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

Though the credit union’s loan approval time can be fast, it still depends on your application. So, ensure you prepare your car loan documents before your application. This will help you get your keys sooner.

Ways to apply for a First Tech Fed auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 855-855-8805

Additional First Tech auto loan details

  • Automatic payment: Available.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: $0.
  • Co-borrowers allowed: Undisclosed.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, mobile app, automatic payments, by mail, and non-First Tech debit card, checking or savings account through ACI Pay.
  • Hardship program: Financial care available. (Learn more)

Vehicle restrictions and limitations

  • Maximum vehicle age: 10 model years old.
  • Maximum vehicle mileage: 150,000 miles.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Fast loan decisions.
  • Up to $300,000 auto financing.
  • Flexible repayment terms.
  • No application, origination, and annual fees.
  • No early payment fees.
  • No payment for up to 90 days.
  • Digital document delivery.
  • Quick rate check (30 seconds).
  • Easy auto-buying service through AutoSMART and TRED.
  • Multiple vehicles eligible – new and used cars, motorcycles, boats, motor homes, campers, travel trailers, and fifth wheel.

Cons

  • Membership limitations.
  • Interest rates depend on the state.
  • Undisclosed discounts.
  • Applicants with poor credit may get higher APRs.

Frequently asked questions

What credit score do you need for First Tech Credit Union?

First Tech doesn’t indicate the credit requirements for auto financing. However, a good credit score of around 660 and up can help you lock in better rates and flexible terms.

How to get an auto loan from First Tech Federal Credit Union?

You can quickly apply for vehicle financing online or by phone. On the other hand, you can schedule a virtual or in-person appointment.

How much interest does First Tech Fed charge on auto loans?

Your annual percentage rate (APR) can start at 7.30% for a new vehicle loan and 7.50% for a pre-owned one. But remember that First Tech’s rates vary per location and are subject to credit approval.

What information do I need to provide when applying for a First Tech auto loan?

You need to indicate your personal and contact information when you apply. Additionally, the credit union will ask for your proof of income and employment.

Are First Tech Fed auto loan interest rates fixed or variable?

First Tech has fixed-rate auto loans.

Are there early repayment fees on First Tech Fed vehicle finance?

None. You can make early payments without incurring prepayment penalties.

How long does First Tech take to approve vehicle finance?

First Tech commonly approves loan applications instantly or within 1 business day based on your loan amount and overall financial situation.

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Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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