First Time Auto Buyer Rates

Rates Effective: 01/01/2016

First Time Buyer Program is for applicants with no auto credit history and no credit score (or less than 620.); minimum 1-year employment history; NO late payment history on existing credit accounts; income verification required; two personal references required; proof of insurance required.

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*Annual Percentage Rate. Rates and terms subject to change without notice. Loan approval, term, and rate received are based on the applicant’s credit qualifications. Maximum aggregate unsecured balance(s) not to exceed $35,000.

Type Rate* Terms/Other Info.
New/Used Auto (6-36 Months) 8.74% Max. loan amount is 6X gross monthly income or $25,000, whichever is less; Maximum 110% LTV
New/Used Auto (37-48 Months) 9.74% Max. loan amount is 6X gross monthly income or $25,000, whichever is less; Maximum 110% LTV
New/Used Auto (49-60 Months) 10.74% Max. loan amount is 6X gross monthly income or $25,000, whichever is less; Maximum 110% LTV