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First-Time Auto Buyer Program

First-Time Auto Buyer Program

Buying your first vehicle is exhilarating! UCU's First-Time Auto Buyer Program offers a loan that helps finance your vehicle and builds your credit history.
You deserve to have a lender looking out for your best interest. Once you're ready to apply for your loan, do it online quickly. If you're still trying to figure out which vehicle you want and can afford, our auto-buying services can help.
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Limited or no credit - no worries

Benefits of UCU's First-Time Auto Buyer Program

Interested in buying a vehicle but have limited or no credit history? We can greenlight your first purchase with our First-Time Auto Buyer Program.

  • Competitive rates and manageable terms 
  • A great way to establish your credit history 
  • Ideal for limited or no credit history  
  • Apply quickly and conveniently using our online process 
  • Get help with your car search and selection 
Low auto loan rates

Low auto loan rates

Our competitive rates for new and used car loans are as low as 5.24% APR*.
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First-Time Auto Buyer

First-Time Auto Buyer

Get rates as low as 8.24% APR as part of our First-Time Auto Buyer Program.
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Financial wellness

Our financial wellness modules can help you reduce debts and increase returns.

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*APR = Annual Percentage Rate. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member’s loan with a term of 36 months or less, LTV (loan to value) of 70% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 70% and/or terms greater than 36 months. Rate applies to vehicles up to ten model years old and newer.

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Financial wellness

Use our helpful financial resource guides to discover how to pay for college, determine your house-hunting budget, or calculate how much you'll need to save for retirement.
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Rates

Get the best deal possible on auto loans, consumer loans, credit cards, and HELOCs by taking advantage of our highly competitive interest rates—just for member-owners.
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