Competitive rates, terms up to 84 months, and a 90-day no-payment period that gives you breathing room. Let’s get you on the road with a FirstLight auto loan.

Whether you're shopping for a new or used vehicle, or looking to upgrade your ride with a classic car or motorcycle, FirstLight Federal Credit Union offers affordable and flexible loan options that fit your needs. From RVs to powersports, we’ve got you covered.

• New & Used Vehicles

• New & Used Motorcycles

• Classic Cars

• RVs

• Powersports (ATVs, Dirt Bikes, UTVs, Jet Skis)

At FirstLight Federal Credit Union, we're more than just a financial institution—we’re a proud part of the El Paso, Las Cruces, Fort Bliss and Horizon City communities. Our goal is to make your auto loan experience as simple and affordable as possible, because we know how important it is to get the car you need without breaking the bank. We’re here to help local residents find the right loan options with competitive rates and flexible terms that fit your budget.

No Payments for 90 Days 

Get your car keys right away with extra time to pay.

Competitive Rates

We help you save on your next ride with members-only rates.

Quick, Easy Application

Apply online or talk to our friendly loan professionals by phone.

Flexible Terms

Choose loan terms that fit your financial situation.

Exclusive Member Benefits

Get discounts and more when you're part of the FirstLight community. 

Local Support

Our team of friendly loan experts is here for you every step of the way.

48-84 months

5.50%-17.99%

2024-Newer

2022-2023

48-84 months

5.50%-17.99%

2022-2023

48-78 months

5.50%-17.99%

2005-2019

48-78 months

7.05%-17.99%

Up to 180 months

8.29% -17.99%

Up to 180 months

8.29% -17.99%

Up to 84 months, $7,500 +

7.49% -17.99%

12-78 months

7.05% - 17.99%

No problem! We welcome everyone to apply for membership and take advantage of our great rates and benefits. Join our community today and start your auto loan journey.

*Membership eligibility requirements apply. All loans are subject to credit approval. Interest accrues over the 90-day nonpayment period. Other conditions apply.