Buying a Car Should Be Exciting

Let's help get you on the road



Feel free to call (937) 498-1195

3 Simple Steps to Get an Auto Loan

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1. Compare

Have a plan on what year of vehicle you're looking for, your credit score, and what kind of term you desire.

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2. Research

Estimate your monthly payment based on the details of the vehicle you want.

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3. Apply

See one of our friendly lenders for a pre-qualification and get ready to ride home in your new car.


"I like talking to the real people. Not being fingerprinted to cash my checks and you are all really good with helping me with my banking."

-Fern L.

Step 1: Compare Auto Loan Rates

Rates shown are estimates. Give us a call so we can discuss your specific details, for vehicles older than 2015, or to inquire about funding for motorcycles, recreational vehicles, or watercraft loans. 

Rates effective
Rates subject to change without notice.


 72 months
6.625% Rate
6.988% APR*

66 months
6.500% Rate
6.892% APR*

60 months
6.250% Rate
6.676% APR*


 66 months
7.250% Rate
7.646% APR*

60 months
7.125% Rate
7.556% APR*

48 months
6.750% Rate
7.277% APR*


 60 months
7.000% Rate
7.430% APR*

54 months
6.750% Rate
7.222% APR*

48 months
6.625% Rate
7.151% APR*


 54 months
8.190% Rate
8.671% APR*

48 months
7.990% Rate
8.525% APR*

36 months
7.840% Rate
8.536% APR*


 42 months
9.375% Rate
9.989% APR*

36 months
9.125% Rate
9.831% APR*


 24 months
10.750% Rate
11.788% APR*

18 months
10.370% Rate
11.711% APR*

*APR based on $20,000.00 loan with credit score of 751+ and normal fees ($199.00 processing fee and $45 VSI). Your actual APR will be based on your specific situation. Additional information including, but not limited to, the amount financed, term, loan-to-value,  applicant's credit score, credit history, vehicle age and mileage will be taken into consideration. Financing is subject to credit approval by First Bank Richmond. Advertised rates are subject to change without notice.


Let's talk about your vehicle goals.


Step 2: Calculate Your Payment

Using the vehicle's value, rates, and terms as a guide, calculate your estimated monthly payment. It's helpful to remember the rate you may qualify for could be different depending on a variety of factors, including the term and your credit score. 


Step 3: Get Pre-Qualified

Know what you can afford and get the best deal. Schedule a meeting with one of our lenders to discuss your needs and start your application. You'll be on your way home in your new ride in no time. 


Frequently Asked Questions

How do I apply for an auto loan?

Click our "Schedule A Meeting" button or call (937) 498-1195 to set up an appointment with one of our lenders. They'll have you in and out in no time!

What do I need to bring when I apply for an auto loan?

All you need to apply for an auto loan is  a recent pay statement. We will also need the info about the car you are purchasing from the dealer, but they usually fax it over to the bank when you're ready.

Can I see my loan in online banking?

You sure can! Any Mutual Federal loans will appear in your online banking dashboard.