The American 1 Credit Union is a auto loan from American 1 Credit Union. Application typically pulls a hard report from Experian. The ongoing APR is New & Used Auto 4.99% APR as low as; max term for rate 72 months (Effective Date: Sunday, October 18th, 2026). Typical credit limit: Finance up to 100% (including tax + title). Loan terms: Max term for rate 72 months.