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First Time Auto LoanYoung Man with First Car

Ready to buy your first car? We can help!

Buying a car on your own for the first time is an exciting and unforgettable moment; but when it comes to financing, things can be a bit confusing. We can help make sure your first big purchase is stress-free and successful with our First-Time Auto Buyer Program. This loan will not only help you purchase your first vehicle, but also provides the opportunity for you to establish a positive credit history in the process.


  • Loan amounts up to $15,000
    • May finance more with 5% to 20% down towards the purchase
  • Great low rates
  • Low Monthly Payments
  • No Co-Signer Required
  • Start establishing good credit

Apply Today!


  • Must be at least 18 years of age
  • Minimum 1-year employment with present employer
  • Must meet current debt-to-income ratio requirements
  • Proof of automobile insurance is required prior to funding
  • Current SCCU Member
  • Must have direct deposit with SCCU
  • No credit required, however, no derogatory credit is allowed
    • Will allow proof that a collection is paid
  • Two references