Member-only deals

First Credit Union is here to make life simpler- and that includes buying your next car.

We've teamed up with Te Rapa Wholesale Cars (TRWC) and The Cheap Car Place (TCCP) to give our members access to exclusive benefits* when you purchase a vehicle through them.

It's our way of helping you get more value, more choice and a better overall experience- just for being a member.

Purchase a vehicle form TRWC or TCCP before 31 July 2026 and drive away with:

  • A free tank of petrol with your vehicle purchase and 
  • A free 1 year mechanical warranty

To check out their range:

Get pre-approved

Getting your car loan pre-approved means that you'll know your budget, have stronger bargaining power and be ready when you find the right car.

Apply online, over the phone or in branch.

*Simply mention you are a member of First Credit Union and you'll unlock exclusive member-only deals. Terms and conditions apply.

Start your application today!

Apply Now

  • These member-only deals are only available to First Credit Union members.

  • Eligible members will receive:

    • A free tank of petrol, and
    • A free 1-year mechanical warranty when they purchase a vehicle through Te Rapa Wholesale Cars or The Cheap Car Place

    Before the 31 July 2026.

  • These member-only deals are only available to First credit Union members for vehicle purchases made on or before 31 July 2026.

  • Simply tell the team at Te Rapa Wholesale Cars or The Cheap Car Place that you are a First Credit Union member. 

    Tank of petrol:

    You will be driving off with a full tank when your purchase is complete.

    1 year mechanical warranty:

    The mechanical warranty provides added peace of mind by helping cover certain unexpected mechanical issues after purchase.
    Coverage, exclusions, and claim conditions are subject to the warranty provider’s terms and conditions, which will be provided by Te Rapa Wholesale Cars or The Cheap Car Place.
  • You don’t need a car loan to receive the dealer benefits, but members can choose to combine this offer with a First Credit Union car loan for a more streamlined car‑buying experience.
  • This promotion cannot be combined with other offers unless stated otherwise by the dealer.
  • No. The promotional benefits cannot be exchanged for cash or substituted for another offer.

  • Make sure you:

    1. Purchase your vehicle from Te Rapa Wholesale Cars or The Cheap Car Place
    2. Do so before 31 July 2026
    3. Identify yourself as a First Credit Union member at purchase

  • For more information about First Credit Union's car loans click here.

    Apply for a car loan or get in touch to talk through your options.

Important Information

*Normal lending criteria apply and T&Cs apply. 

Normal floating rates range from 10.95% p.a. variable to a maximum of 18.00% p.a. variable

Minimum loan term 3 months. Maximum loan term 5 years.

No application fee and no early repayment penalties. 

^Third-party fees such as credit check, credit sense, motor check, PPSR, Docusign and cloudcheck of up to $29.90 per applicant may apply. View our rates and fees here.

 

Example of the total cost of a loan

When getting a loan it is important to consider the costs involved.

Here is an example of the total cost of a secured car loan:**

Borrowing $10,000
Application fee $0
Third party fee^ $29.90
Total $10,029.90
Total interest $2,393.94
Total amount payable $12,423.84

Over a 4 year term at 10.95% p.a variable rate, weekly repayments would be $59.73.

**Figures are an indication only and does not include loan protection insurance.

^Third party fees of up to $29.90 for Credit Check, Credit Sense, Motor Check, PPSR, Docusign and Cloudcheck per applicant may apply.

 

First Credit Union's head office is at: 111 Collingwood Street, Hamilton, New Zealand