Connect your UFirst Credit Union Visa credit or debit card to your
mobile device for a simpler and more secure way to pay.
Use your Mobile device to shop at retail stores nationwide
Google Pay is now available with your UFirst Credit Union Visa credit or debit cards! Paying has been
made simple and secure when using your mobile device. Accepted at over one million retail stores! Use
your mobile phone to make your in-store or online payments.
How it Works
Google Pay uses Near Field Communication to send a one-time virtual account number that represents your
account information. Using this technology keeps your card information safe and secure.
Make sure your mobile device has been updated to the latest software and download the Google Pay™
app if it isn't already installed on your phone.
Add your UFirst debit or credit card.
Start shopping at over a million retail locations.
Where to Shop
Google Pay is accepted at over a million retail locations. Make sure to look for these icons at check
Add your UFirst Visa® card - it's as simple as taking a photo
Pay confidently at over a million locations in the U.S.
Use your Apple device to shop at retail stores nationwide
The wait is over! Apple Pay™ is available when you use your UFirst Credit Union Visa® credit or debit
card. Paying has been made simple and secure. Accepted at over two million retail stores! Use your
iPhone 6, iPad 2, iPad mini 3, iPad Pro and Apple Watch for your next payment.
Make sure your iPhone 6, iPad Air 2 or Ipad Mini 3 has been updated to the latest version of IOS 8.
The credit score required to qualify for an auto loan is relative to the lender. On average, the borrower needs a score in the low 700s for a new car loan and mid-600s for a used car loan.
A borrower's credit history tells the lender whether or not they are high or low risk. When getting approved for an auto loan, most financial institutions will look at the borrower’s industry-specific auto FICO® Score3, along with their base FICO® Score from the three consumer credit reporting bureaus: Equifax, Experian and TransUnion.
This credit score also determines the borrower’s interest rate on the loan. Typically, to get an interest rate between 0–2% on new car loans, the lender will require a credit score of 700 or higher. Reversely, if a borrower finds themselves with a credit score in the mid-600s or low 500s to low 600s, they may expect a lender to give an interest rate three to five times higher (between 10–24%) than those with good or excellent credit.
You can check your FICO® Score for free on our free mobile app, UFirst.
Refinancing your auto loan is a great and easy way to save money on your car payments and to lower the interest rate on your auto loan.
In order to refinance your auto loan, you’ll need to gather the right information and documents. All the necessary information would be the car mileage, VIN number, current car loan numbers, driver’s license, and income verification. After gathering this information, you can refinance your loan with the same lender or with a different financial institution.
After applying, the bank or credit union will check your credit history and let you know if you qualify for a lower interest rate. After approval, the bank or credit union will work with you to set your new loan term to a lower monthly car payment.