When it comes to financing your next vehicle, you shouldn’t settle for sky-high interest rates, hidden fees, or impersonal service. You deserve a loan that works for you—with better rates, flexible terms, and people who actually care about your financial well-being.
That’s exactly what you’ll find at Community First Credit Union.
Why Choose Community First for Your Auto Loan?
At Community First, we do things differently. As a member-owned credit union, our priority is you—not shareholders. That means we return profits to our members in the form of lower rates, fewer fees, and exceptional service.
Here’s why thousands of drivers choose us over big banks and traditional lenders:
🚗 Low Rates That Stay Low
Our auto loan rates are consistently lower than the national average and often beat what dealerships and banks can offer. That means you save money every month—and over the life of your loan.
⏱️ Fast, Hassle-Free Approvals
We respect your time. Our streamlined online application and local decision-making mean you’ll get approved quickly—so you can get behind the wheel faster.
💡 Flexible Terms That Fit Your Budget
Whether you’re buying new, used, or refinancing, we offer terms that work for your life. You’ll find affordable monthly payments with no prepayment penalties—ever.
🤝 Personal, Local Service
You’re not just a number to us. At Community First, you’ll work with real people who listen, answer your questions, and help you make confident financial decisions. That’s the benefit of banking with a community-rooted institution.
With two convenient credit union locations in Ashtabula and Jefferson, we serve all of Ashtabula County, including Geneva, Conneaut, Kingsville, and surrounding areas. We are committed to helping our local community with affordable car loan options and trusted financial services.
🔄 Refinance and Save
Already have an auto loan elsewhere? Bring it to us. Many members who refinance with Community First lower their rates and reduce their monthly payments—sometimes significantly.
Compare and Save!
| Feature | Community First Credit Union | Big Banks | Dealership Financing |
|---|---|---|---|
| Low Rates | ✅ Yes | ❌ Often Higher | ❌ Often Marked Up |
| Local Decisions | ✅ Yes | ❌ No | ❌ No |
| No Hidden Fees | ✅ Yes | ❌ Often Included | ❌ Sometimes Included |
| Personalized Service | ✅ Yes | ❌ Limited | ❌ Sales-Focused |
| Member-Owned | ✅ Yes | ❌ No | ❌ No |