Are You Ready to Buy Your First Car?
We make it easy!
Buying a car is one of the most important financial decisions you'll ever make. That decision gets even bigger when you've never done it before. Our goal is to get you into the vehicle – and finance option - that's right for you.
Don't panic, even if you have no previous vehicle buying experience. Our First-Time Auto Buyer Program can give you the opportunity to enjoy a vehicle of your own. If you have little, to no credit, and are ready to embark on the purchase of your first car, we offer low rates, manageable terms, and an excellent means to establish your credit history.
Planning is important to prevent surprises when you buy your first car.
To make an informed decision, it helps to do a little homework:
1. Make a list of your vehicle needs and wants
2. Figure out a price range that fits your budget
3. Get pre-approved for your auto loan and save time With a pre-approved auto loan, you’ll know how much you qualify for, before you visit the dealership and be able to shop with confidence.
4. Find your car
What you need for the
First Time Auto Buyer Program:
✔ 12 consecutive months of employment
✔ Proof of employment and income
✔ Meet minimum debt to income requirements
✔ No previous credit required
✔ No previous auto loans on your credit report
✔ No bad credit allowed
✔ A 10% minimum cash down payment.
✔ Dealer rebates are not down payments.
Not a Member? A deposit of $25 is required to open a Share Savings account.
Already a member? Apply ONLINE or call us at 907.745.4891.