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First Time Auto Buyer Loan

Your First Step 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!

Apply Now
Rates as low as

3.99% APR1

for 36 months

How the First Time Auto Buyer Program Works

  • No Co-Signer Needed

    If you have at least 12 months employment or if you're a recent college graduate who is gainfully employed, you don't need a co-signer!

  • No Credit History Required

    No credit? No problem! Buy your new ride with our First Time Auto Buyer program and start building credit today!

  • Flexible Terms Up To 81 Months

    Enjoy generous loan terms with up 81 months to match your lifestyle.

Auto Loan Features

  • Competitive Rates

    Designed for your savings.

  • Flexible Terms

    Payments that suit your lifestyle.

  • Grace Period

    Enjoy up to 90 days with no payments.2

  • Quick Application Process

    Time-saving and simple.

  • Express Check

    Boost your buying confidence at the dealership.

  • 18 & Older Can Apply

    You don't need to wait to build credit.

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

Buying a Car Has Never Been Easier.

Find your perfect car! Begin your car buying experience with FSCU MemberAutoCenter. Research, build, and price your car and even estimate your payment.

Start Shopping

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.

713-676-5275
CentralizedSales@FSCU.com
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. The terms of repayment, will reflect the repayment obligations over the full term of the loan. For example, for a $1,000 loan over 36 months at 3.99% APR, you will make 36 payments of $29.53.

[2]

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