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Auto Loans

Whether you're in the market for a new car, or thinking about moving your existing loan - consider Mutual 1st! Right now you can get a new car loan for an APR as low as 5.24%*! 

Our experienced and friendly bankers can help you with the process from start to finish. Start the process by applying online, or reach out to a banker by clicking on one their bios in the right column. As always, you can give us a call at 402-697-8200.

Nebraska Credit Union members save over $1,000 on average over the life of their auto loan vs. financing through a bank.**

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Finding the Right Vehicle


Save time at the car dealership. Get CUDL-Connected!

We've partnered with area dealers to allow you to search and shop online for your next vehicle. Now you can search the make and model of your vehicle and see where it's in stock! Our helpful auto buying resources allow you to secure a great deal while still financing your auto loan through Mutual 1st Federal. 

Auto Loan Calculator

Auto Loan Options

What is the difference in new car vs. used car loans?

A car loan is classified as new if the car has only been owned by the manufacturer or dealer and the title has never been in a person's name. A used car loan is a car that has been owned by someone else previously, even if you're planning to purchase it from a dealer.

While each dealer or financial institution has their own guidelines, at Mutual 1st Federal we consider current and previous model year (2024 and 2025) vehicles as new car loans. Cars can be financed for up to 10 model years, so model years 2016 - 2023 are considered a used car loan.

What is the best way to finance a car?

Getting pre-approved before you go to the dealer gives you a financial advantage. By getting pre-approved for an auto loan, you concentrate on finding the right vehicle for you. It gives you the best negotiating power to focus on the price of the vehicle, since you already know what you're pre-approved for, and how much the payments will be.

If you get pre-approved for an auto loan with Mutual 1st Federal, we can provide a pre-approval letter which you can take with you to a car dealer to simplify the buying process.

What do I need to apply for a car loan?

To apply for an auto loan, you'll need:

  • To be eligible for membership (or be a current member) at our credit union: live, work, worship or attend school in Omaha or the surrounding area (find out more about becoming a member)
  • An estimate of how much you want to borrow
  • Work or income history
  • Personal information (address, date of birth and social security number)

If you're planning to make a down payment or have an estimate on a trade-in, that information is helpful to provide when applying for an auto loan.

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Additional Auto Loan Services

  • Low cost payment protection is available
  • Guaranteed Auto Protection (GAP) is available to ensure you’re protected against financial loss to cover the difference between what your insurance pays you and the loss of your vehicle
  • Auto Deductible Reimbursement is included with GAP coverage. If you suffer an eligible loss you may be entitled to reimbursement of your auto deductible, up to $500 per loss (limit of two losses per year).
  • See if you qualify for a lower rate on auto insurance with TruStage Insurance.
  • Loan payments can easily be made on the Mutual 1st app. If you don't have the app, you can make a payment here.
  • Our app can be downloaded on the Apple Store or Google Play! 
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**According to CUNA's Nebraska Member Benefits Report.