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ROUTING # 281076730

Auto Loans

Vehicle Loans

Buying a vehicle is easy at 1st MidAmerica!

Whether you’re looking to hit the road, the water, or the dirt, we can get you there! We offer loans to purchase or refinance new or used vehicles, boats, watercraft, recreational vehicles, campers, motorcycles, and more.

Our interest rates are always competitive!

With our low rates and low fees, what are you waiting for? Apply for a Vehicle Loan Now!

Additional Programs and Services

We also offer additional programs and services to make the process of buying a vehicle a breeze.

  • GAP Insurance
  • Warranties
  • Indirect Program & Dealerships
  • Auto Insurance
  • Temporary Credit Disability Insurance
  • Credit Life Insurance

GAP Insurance

If the vehicle you financed through us is in an accident or is stolen, your primary insurance carrier will only cover the actual market value of the vehicle at the time of the loss. Should your insurance carrier deem your vehicle a total loss, GAP Protection Insurance (Guaranteed Asset Protection) reimburses the difference between the actual / market value of your vehicle and the loan payoff, if that amount is greater.*

*Complete terms and provisions are contained within each Agreement.


We have partnered with Route 66 Warranty to provide you with a complete line of coverage designed to keep your vehicle on the road. Even the most reliable vehicle can develop a mechanical problem. That’s why so many people depend on Route 66 Warranty. No matter where you travel in the United States, Route 66 Warranty protects you against major mechanical expenses, and there is NO DEDUCTIBLE on covered parts and labor. From Drivetrain Coverage to more Deluxe and Factory Type Coverage, a variety of plan options are available.

All of the plans come with 24 hour/7days a week Emergency Roadside Service. To accommodate members who would like to purchase a warranty and already have an 1st MidAmerica auto loan, or may have an auto loan at another financial institution, we have a special offer for this new program.

*Complete terms and provisions are contained within each Service Agreement.

Indirect Program & Dealerships

We make getting an auto loan a one stop shopping experience. We have established lending relationships throughout the region with many automobile, boat, RV and ATV dealerships to provide our members with an easy way to access credit union financing. When making a purchase from one of our participating dealers, members can complete all loan processing right from the dealer's office while receiving the financing from 1st MidAmerica.
View our list of affiliated dealerships.

We have also partnered with CUDL (Credit Union Direct Lending) to offer our members one-stop vehicle shopping when purchasing an automobile. Members who use dealerships partnered with us can choose their vehicle and secure financing through the credit union right at the dealership - no separate trip to a branch to apply for a loan is required. The approval process is a quick and convenient way for members to purchase a vehicle.
Get more information on purchasing a vehicle.

About 1st MidAmerica

As a 1st MidAmerica member, you are a shareholder and owner of a cooperative financial institution, a credit union. This primary advantage to credit union membership is just the beginning. In addition, 1st MidAmerica offers a host of services to help you simplify the management of your finances.

Read more about us