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Become a Member Make a Loan Payment Finance a Vehicle Save for a Large Purchase Buy or Refinance a Home Learn About Checking Accounts Learn About Savings Accounts Check My Loan Status
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InGear Auto Loan Program

Get the flexibility and ownership of conventional financing with the low cost of leasing.

Think you can’t afford the vehicle of your dreams? Ready to trade-in your current vehicle but don’t want a higher payment? With InGear, you can get a payment up to 40% lower, without a lease and still enjoy the benefits of ownership!

Apply Now
  • Lower monthly payments – up to 40% less than conventional loans
  • NOT a lease, but it gives you low payments like a lease
  • No hidden or up-front costs
  • No down payment required
  • Titled in borrower’s name- actual vehicle ownership!
  • Trade-in tax credit
  • No higher insurance premium
  • Trade-in, sell, payoff or refinance at anytime
  • New or pre-owned vehicles (up to five years old) qualify
  • Finance your vehicle through a source that you trust, Champions First!

You must be eligible for membership and approval for a loan to participate. Loan rates and terms vary depending on your credit score and loan history. Please see a credit union representative for complete details.

By accessing this link, you will be leaving Champions First Credit Union's website. Our website contains links to third-party sites not controlled or operated by Champions First Credit Union. These links are provided solely for your information and convenience. Champions First Credit Union does not endorse linked websites, the views they express, or the products/services they offer. Champions First Credit Union bears no responsibility for and makes no representations or warranties regarding the accuracy, legality, security, or content of the linked third-party site or for that of any subsequent links. By continuing, you will be subject to the privacy/security policies and terms of use of the third-party site, which may differ from those of Champions First Credit Union. Champions First Credit Union cannot guarantee the accessibility of content or features on any third-party websites that are navigable from ChampionsFirst.org.