First-Time Car Buyer Program

• Get financing for your first vehicle
• Competitive interest rates on both new and used rides
• Flexible repayment terms to fit your situation
• Build your credit on your own
• 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

How to Qualify

• Must be 18 yrs. or older; if younger, a co-signer is required
• At least 1 year of consistent income with current employer
• $2,000 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
• Have proof of current auto insurance and income