First Time Auto Buyer Program

Key Features

  1. When you have no auto credit history and no (or low) credit score
  2. Lower rates mean lower payments – and that’s more money in your pocket!
  3. Additional options for your loan, including GAP coverage
  4. Apply Now!

We realize there are times when our members need to purchase their first car, and they want to pay a reasonable rate just like people with “A credit.” Our First Time Auto Buyer Program is tailored for those members who meet certain qualifications, at a rate much lower than you might be offered at a dealership. Requirements include:

  • No previous auto credit history
  • No credit score, or 620+
  • Loan amount is maximum 6X gross monthly income or $25,000 (whichever is less)
  • Minimum 1-year of employment history
  • No previous late payment history on existing credit (if applicable)
  • Verification of income required
  • Two personal references required
  • Proof of insurance required

Check out our Rates!