If you have not yet established enough credit history to buy a car with our regular new and used vehicle loans, we can help with our First Time Vehicle Buyer Loan. We'll even work with you to show you ways to improve your credit history as we review your loan application!

• Finance up to 80% of the retail price of a vehicle using the Kelley Blue Book value ($12,000 maximum)
• Get terms up to 60 months
• Enjoy a competitive rate based on the term of the loan
• Make payments with Direct deposit or Auto Transfer (automatic payment is required)

Other conditions of the loan:

• Your debt ratio (debt/income) must not be higher than 40%
• The vehicle must be inspected
• Proof of insurance is required
• You must provide verification of your income and that you have worked at least 12 months at your current employer.

To apply for your First Time Vehicle Buyer Loan, one of our branch locations.