First Time Car Buyer
Limited or no credit? No worries!
You want to buy a car but have limited or no credit history. We offer first time auto buyers who don’t have any car buying experience, a loan that is perfect for building credit history. Why? Because you need a car, and you deserve to have us by your side to navigate the road.
Benefits include:
- No co-borrower required
- Membership Pays Discount of .25%
- Finance up to 100% of NADA Retail Value
- Term up to 72 months
We offer affordable payments, flexible terms, and fast approvals.
Vehicle Loan Rates**
| TERM | 24 Mo APR* | 36 Mo APR* | 48 Mo APR* | 60 Mo APR* | 72 Mo APR* | 84 Mo APR* |
|---|---|---|---|---|---|---|
| 2019 & newer | 4.99% | 5.24% | 5.44% | 5.74% | 5.99% | 7.49% |
| 2016 - 2018 | 6.24% | 6.24% | 6.74% | 7.24% | 7.44% | NA |
| 2012 - 2015 | 8.74% | 8.74% | 9.24% | NA | NA | NA |
** Rate includes Auto Pay discount. Auto Pay = 0.25% rate discount with an automatic payment.