ALERT: Family First has recently been made aware of a scam spoofing both our 585.586.8225 and 1.800.356.1101 phone numbers. Please exercise caution if you receive a phone call claiming to be from our Fraud Department. Learn more here.

All Family First branches and the call center will be closed on Monday, May 27 for Memorial Day. We hope you have a safe and enjoyable holiday.

Family First will be holding our Annual Meeting on Wednesday, March 24 at 8:30 AM at our Browncroft Office. Click this link to join us virtually through Microsoft Teams.  

Auto Rates

Greatest Rates Around

Discover why so many choose Family First

Model YearTermAPR with DiscountsNon-Discounted APR
2023 and Newer Models1 – 60 Month6.85%*7.60%
 61 – 66 Months6.85%*7.60%
 67 – 72 Months6.95%*7.70%
 73 – 84 Months7.50%*8.25%
 ($25,000 min)  
Used Cars   
2022 Models1 – 60 Months7.20%**7.70%
 61 – 66 Months7.20%**7.70%
 67 – 72 Months7.35%*7.85%
 73 – 84 Months7.95%*8.45%
2021 Models1 – 60 Months7.20%*7.70%
 61 – 66 Months7.25%*7.75%
 67 – 72 Months7.40%*7.90%
 73 – 78 Months7.95%*8.45%
2020 Models1 – 60 Months7.30%*7.80%
 61 – 66 Months7.40%*7.90%
 67 – 72 Months7.70%*8.20%
2019 Models1 – 60 Months7.65%*8.15%
 61 – 66 Months7.80%*8.30%
2018 Models1 – 60 Months


 61 – 66 Months7.95%*8.45%
2017 – 2016 Models1 – 60 Months8.05%*8.55%
2015 – 2014 Models1 – 48 Months8.25%*8.75%

Membership eligibility required. Loans subject to credit approval and application. These are “as low as” rates. Actual rates may vary. APR is Annual Percentage Rate.

* This rate includes a .50% special discount for having direct deposit or automatic payments AND .25% discount for LTV (loan to value) of 80% or lower MSRP on above stated rate.

* *This rate includes a .50% special discount for having direct deposit or automatic payments.

Rates are valid as of 05/27/2024.

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