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Graduate college recently?
Check out our college graduate auto loan program with similar benefits!
First-Time Auto Buyer Program
Buying your first car? You could get an auto loan with limited credit history.
Apply for my loanToday’s auto loan rates
See all rates
New auto loans as low as¹
6.34
%APR
Used auto loans as low as¹
6.34
%APR
First-time auto buyer benefits
Get great auto rates
Buying your first car is a big step! You deserve a competitive rate to help you seal the deal.
Build your credit
You could qualify for the First-Time Auto Buyer Program with little credit, then build from there.
How to qualify
You’ll need to meet all the following requirements:
Have a minimum of one account on your credit report.²
Have a credit history of at least two years.
Have no auto trade history.
Get your new ride in 4 steps
Apply for your loan.
Apply online, over the phone or at a branch for private party purchases or at the dealership for partner dealership purchases.
Choose your vehicle.
Research vehicles and choose the right one for you based on your needs and budget.
Sign your loan documents.
Sign at a branch for private party purchases or at the dealership for partner dealership purchases.
Drive away!
Still have questions about your loan? We’re happy to help. Just click, call or come in!
What auto borrowers are saying
"My loan had several moving parts and [they] knocked it out of the park and communicated every move. That is special and very hard to find these days."
Christopher M.
"A good and easy place to get an auto loan. Becoming a member was easy and a good choice."
Michael P.
DISCLOSURES
1
Annual Percentage Rate (APR) shown effective {current-date}, and is subject to change without notice. “As low as” rate assumes excellent borrower credit history. Actual rates and APRs dependent upon borrower(s) credit qualifications. Additional rate discounts may apply. Visit our rates page for additional information and details.
2
Does not include student loan tradeline accounts and tradelines indicating the applicant is an authorized signer of the account.