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