First Rate Autos is credit union owned and operated. Our inventory is a mix of repo vehicles along with others acquired from individuals and auctions.

Our credit union partners have been helping people finance their vehicle purchases for over 50 years. That experience has taught us what consumers are looking for in the car-buying process.

• Straight-forward, clearly marked, no haggle pricing. When you buy, you pay the indicated price plus a $250 documentation fee, nothing more. THERE ARE NO OTHER FEES AND WE DON'T TRY TO SELL YOU ANYTHING!
• To save you money, our select credit union partners provide financing at very attractive MAXIMUM interest rates (with approved credit). IF YOU QUALIFY FOR A LOWER RATE THAN THE MAXIMUMS, YOU RECEIVE THE LOWER RATE.
• If you finance your purchase, you work directly with one of our credit union partners or your other lending institution. The credit unions provide the loan and offer their warranties and insurance products, often at lower prices compared to other products in the market.
• Shop at your own pace in a pressure free environment. If you decide to buy, your Purchase Agreement takes only about 5 minutes! To finalize your purchase and hand you the keys to your new ride takes just 10 minutes!