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First Time Auto Buyer Loan

First Steps to Car Ownership.

Are you ready to hit the road in your very own car? We understand the excitement and importance of buying your first vehicle. That's why we've designed a program specifically tailored for first-time auto buyers like you!

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Discover the Difference In Monthly Payments

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Rates as low as

5.24%

APY1
For terms

Up to 72

months

See All Rates

First Time Auto Buyer Features

  • Competitive Rates

    Designed for your savings.2

  • Flexible Terms

    Payments that suit your lifestyle.

  • Grace Period

    Enjoy up to 90 days with no payments.3

  • Quick Application Process

    Time-saving and simple.

  • Express Check

    Boost your buying confidence at the dealership.

  • Dedicated Service

    We're here to assist every step of the way.

No Credit? No Worries!

Even if you don't have a lengthy credit history or need a co-borrower with established credit. No worries! Our program is designed to accommodate your needs with great rates from the beginning. Whether you're a recent college graduate or have been steadily employed for the past 12 months, we've got you covered.

Explore Your Options

Ready to Get Behind the Wheel?

Stop by one of our 14 Houston-area branches, give us a call, or quickly apply online to get started.

713-676-7777
[email protected]
Apply Online
[1]
APR = Annual Percentage Rate. Loans subject to credit approval. Rates may differ depending on borrower creditworthiness and underwriting factors. Additional discount may be applied up to 90 basis points with purchase of GAP, Warranty, and all available payment protection products. Current First Service loans and vehicles more than six model years in age or with mileage 75k or more are not eligible for cash offers, complimentary insurance, or other promotions. Purchase of payment protection products is not required.
[2]

Products and services offered by Third Parties/Affiliates: Any financial, investment, warranty, credit insurance or other products/services which are provided by any third party or affiliate are not products of the Credit Union. If the purchase of the same is facilitated by or through the Credit Union financing; such is merely a convenience to the borrower(s) and in no way creates any contractual or other relationship between the borrower(s) and the Credit Union with regard to any such products. Any rights, obligations or claims with any regard to such products shall be solely and exclusively between the party providing such products as may be set forth in any applicable contracts, agreements or otherwise, and the Credit Union shall have no obligations, responsibilities, duties, or liabilities whatsoever regarding same.

[3]

This is a limited time offer and subject to change at any time. Subject to credit approval. Interest will accrue during the deferment period.