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First Time Car Buyer Program

Your first car. It's a rite of passage that brings newfound freedom and responsibility. We want to help you with this vital first step — even if you have limited or no credit history. Choose from a variety of terms and get the financing that fits your monthly budget. All you have to do is meet a few requirements designed to ensure long-term success. It's a win-win — you get to drive your own auto as you build or rebuild your credit!

  • Get financing for your first auto
  • Competitive interest rates
  • Flexible repayment terms
  • Build your credit on your own
  • To qualify:
    • Must be 18 yrs. or older; if younger, a co-signer is required
    • 6 months of consistent income with current employer
    • $1,000 minimum monthly income
    • Financing no more than 50% LTI (loan-to-income)
    • DTI ratio 40% or less (debt-to-income)
    • Vehicle cannot be older than 10 yrs.
    • Minimum $500 cash down
  • Proof of current auto insurance
  • Payroll deduction or share transfer available and encouraged
  • Locally handled loan process from start to finish
  • Friendly, knowledgeable loan advisors
  • Customized service from a staff committed to your success

Interested? Find out more!