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As interest rates continue to rise across the country, many Bay Area drivers are searching for smarter, more affordable ways to finance their vehicles. At 1st Nor Cal Credit Union, helping members save money and drive with confidence has long been a top priority. For senior loan officer Maria Thompson and her team, it’s about more than just numbers—it’s about creating real value for the people they serve.
Over the years, 1st Nor Cal has earned a reputation for offering some of the most competitive auto loan rates in the region. While many financial institutions adjust their rates in response to market fluctuations, 1st Nor Cal has remained committed to stability. Their approach allows members to lock in low rates that can save hundreds, even thousands of dollars over the life of a loan.
“Our members trust us to look out for their best interests,” Maria explained. “Whether they’re purchasing a new or used vehicle or refinancing an existing loan, we work hard to provide options that fit both their budgets and their long-term goals.”
This member-first philosophy is backed by flexible loan terms and a streamlined application process designed to take the stress out of financing. Even those who aren’t yet members can easily apply online in just a few minutes. Once an application is submitted, the lending team takes over—offering guidance, answering questions, and handling the details with care and efficiency.
“It’s not just about approving a loan,” Maria said. “It’s about making the entire experience as smooth and supportive as possible. We want our members to feel confident about their choices.”
That dedication to service is part of what makes 1st Nor Cal a standout in the auto lending space. Alongside their low rates and flexible terms, the credit union offers ongoing support through every stage of the loan process. Whether someone is buying their very first car, upgrading to a newer model, or seeking to reduce their monthly payments through refinancing, the team is ready to help.
With an easy-to-use online application, helpful staff, and a focus on member well-being, 1st Nor Cal Credit Union continues to be a trusted resource for Bay Area drivers. As Maria puts it, “We’re not just helping people get loans—we’re helping them move forward in life with peace of mind.”
To learn more about current rates, loan options, or to apply today, members and non-members alike can Head over to our auto loans page to learn more about our current rates and loan options or go straight to our online application. If you have questions, give us a call at (888) 387-8632 and we’d be happy to assist you. We’re excited to receive your application and show you what 1st Nor Cal can do for you. Let’s get you moving! Call (888) 387-8632. The road ahead is wide open—and with 1st Nor Cal, it’s a lot more affordable.