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Firstmark Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 5 Sep 2023
Fact checked

A quick review of Firstmark Credit Union auto loans

Firstmark Credit Union logo

Firstmark Credit Union (formerly San Antonio Teachers Credit Union) was founded in 1932 and is the oldest state-chartered credit union in San Antonio, Texas. Firstmark has different vehicle loans for new and pre-owned cars, trucks, boats, motorcycles, RVs, and more. Plus, members can enjoy low-cost APRs, flexible repayment terms, and fast responses.

Want to see what a Firstmark auto loan will cost? Try the Firstmark 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 Firstmark Credit Union auto loan features

  • Minimum loan amount: $10,000 for 66 months, $15,000 for 72 months, $25,000 for 78 months, and $30,000 for 84 months.
  • Maximum loan amount: Undisclosed.
  • Interest rates: From 6.74% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Rate discounts for educators and military personnel.

FIRSTMARK CREDIT UNION AUTO LOAN OPTIONS

New and used vehicle loans

Whether you’re looking for a pre-owned or new ride, Firstmark offers workable vehicle loans with up to an 84-month term. You can secure an auto loan for as low as 6.74% APR and not pay for 60 days. Plus, you can easily purchase a car and have it delivered to your doorsteps through the credit union’s car-buying services.

Recreational vehicle loans

You can travel the road with Firstmark Credit Union’s RV loans, too. Rates start at 9% APR, and loan terms stretch up to 120 months. Additionally, you can finance up to 100% of the MSRP or NADA retail value and get a loan decision within 24 hours.

Motorcycle loans

Firstmark also has new and used motorcycle loans starting at 9% APR. You can finance or refinance your two wheels for up to 60 months. But keep in mind that a minimum of $10,000 is needed to qualify for a 60-month term.

Boat and jet ski loans

If you want to cruise the waves, you can also lock in loans for new and used jet skis, motorboats, fishing boats, sailboats, and yachts. Rates can be as low as 9% APR, and you can choose a term of up to 84 months.

Firstmark 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

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Firstmark Credit Union, Texas

Firstmark Credit Union, Texas auto loan

Firstmark Credit Union, Texas 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 Firstmark Credit Union, Texas 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 apply for a Firstmark Credit Union auto loan

Eligibility criteria

Firstmark doesn’t specify the criteria for vehicle financing, but you commonly need to be:

  • A member of Firstmark CU
  • At least 18 years old
  • Employed or have a stable source of income

How to join Firstmark Credit Union

To be a Firstmark member, you need to meet one of the following:

  • Live, work, attend school, or worship in Atascosa, Bandera, Bexar, Blanco, Comal, Crockett, Edwards, Gillespie, Guadalupe, or Kendall
  • Live, work, attend school, or worship in Kerr, Kimble, Kinney, Llano, Mason, Medina, Maverick, Sutton, Terrell, Val Verde, or Wilson
  • Be a current or retired educator or student in Dimmit, Frio, LaSalle, McMullen, or Zavala

What you’ll need to have ready

When you apply for auto financing with Firstmark 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 Firstmark 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.

Other than knowing the required auto loan documents, it’s also helpful to understand how secured loans work. Through this, you can weigh your options and know what to expect before applying.

Ways to apply for a Firstmark Credit Union auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 210-442-0199

Additional Firstmark auto loan details

  • Automatic payment: Available.
  • Rate discounts: 0.25% rate reduction for educators and military personnel.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, mobile app, and automatic payments.
  • Hardship program: Skip-a-payment available. (Know more)

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Competitive rates.
  • Flexible loan terms.
  • Stress-free car buying through AutoSMART and Carvana.
  • No payment for 60 days.
  • Easy online application and signing.
  • Pre-approval available.
  • Quick response.
  • Different vehicles eligible – new and used cars, light trucks, boats, jet skis, motorcycles, and RVs.
  • Rate discounts for educators and military personnel.
  • Automatic payments available.

Cons

  • Limited to members.
  • Undisclosed loan fees.
  • Members with low credit scores may receive higher rates.

Frequently asked questions

Can I apply for a Firstmark Credit Union auto loan online?

Yes. You can apply through Firstmark’s website.

What is the maximum length of a Firstmark car loan?

You can finance your vehicle loan for up to 84 months. But remember that you need to borrow a minimum of $30,000 to qualify for an 84-month loan.

Does Firstmark Credit Union refinance auto loans?

Yes. You can refinance your loan and save more on your monthly payments and pick a term that works for you.

Are there discounts available on Firstmark car loans?

You can get a 0.25% APR discount with your auto loan if you’re an educator or military personnel.

How long does Firstmark take to approve vehicle finance?

The credit union may give a response within 24 hours.

How can I contact Firstmark Credit Union about my auto loan?

If you want to apply for vehicle financing at Firstmark, you may call 210-442-0199. On the other hand, you can reach the Member Care Center at 210-442-0100.

Video: Memories made today! Auto loans from Firstmark Credit Union in San Antonio

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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