If you're buying a car for the first time and have limited (or no) credit history, this program is a great opportunity for you to build credit, and get a competitive, low rate so you can enjoy a manageable monthly payment.

Features of our first-time buyer loan

  • Borrow up to $30,000.
  • Choose a flexible term, up to 60 months, for a budget-friendly payment.1
  • Get financing for up to 100% of the car’s value.2

What you’ll need

  • Be 18 or older.
  • Complete a loan application and credit qualify.
  • Make a minimum 10% cash down payment of purchase price (excluding rebates).
  • Show proof auto insurance prior to funding.



Log in to Online Banking to apply.

Call 800.462.8328

Monday through Friday, 7 a.m. - 7 p.m.
Saturday, 9 a.m. - 3 p.m.




SchoolsFirst FCU has a loan program featuring a range of interest rates for some of its consumer loans. A rate is based on a variety of factors, including the applicant's credit rating. Rates quoted are effective as of 01/30/2023 and are subject to change without notice. All loans subject to approval.

  1. Maximum term based on various factors, including the amount financed.
  2. Maximum financed amount not to exceed $30,000 or up to 100% of the MSRP on new autos (KBB Suggested Retail Value on used autos) or purchase price, whichever is less; may include tax, license, documentation fees, and other add-on products.

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