First-Time Borrower Program

We have a program especially for first-time borrowers and college graduates.  It’s designed for members with little or no established credit.  With our first-time borrower loan and on-time payments, you’ll be on the road to establishing a strong credit history for the future. 

Loan Saver 
If you are not a First-Time Auto Borrower, you may be able to save money with Loan Saver.  Our online calculator can determine if you can save money on your existing loans by refinancing with us.  It's free, simple and you can calculate potential savings in just minutes. 


Our first-time borrower program features:

Competitive rates
Maximum loan amount of $25,000
Terms up to 60 months
Up to 100% financing of retail value


Rate discounts are available for the following conditions:

Loan amount

Deduct 1.00% APR if amount financed is 70% or less of the retail value
Deduct 0.75% APR if amount financed is between 71 – 80% of the retail value
Deduct 0.50% APR if amount financed is between 81 – 90% of the retail value


Deduct 0.75% APR for terms of 36 months or less
Deduct 0.50% APR for terms between 37 - 48 months

Employment history or college degree

Deduct 0.50% APR for 3 years of employment with the same employer
Deduct 0.50% APR for recent degree from a 4-year college or university


Deduct 0.25% APR if you have or open a Relationship Checking Account with us
Rates can be reduced with a qualified co-signer

Apply online or by phone at (888) 858-6878 for an instant loan decision.  Please note in the application that you are a First-Time Auto Borrower.  Please call for complete details and restrictions.

You may also be interested in:
Kelley Blue Book - research new and used vehicle prices
Member Showroom - Free Auto Buying Service

Complete rate details and representative examples.


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