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First Time Auto Loan

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 program was designed to help those with little to no credit purchase a car for the first time.

Let us help make your first big purchase a good one.

New & Used Vehicle Financing

Our First-Time Auto Loans offer up to 80% financing on the drive-out price of your new vehicle with a maximum loan term of 60 months. Please contact us for First-Time Auto Loan guidelines.

Pre-Qualified Power

A trip to the dealership can be stressful for anyone, but for those who've never financed a car before it can get overwhelming. By getting pre-qualified, you already have trusted financing in your hands. This allows you to negotiate for a better price with the dealers, and ensure you're only buying what you need.

Good Payment History Bonus

We feel that good payment history should rewarded. That's why with this unique program, you may be eligible for a better rate on your auto loan after 18 months of on-time payments.

What is a first-time auto buyer?

A First-Time Auto Buyer is someone who has:

  • No credit score OR No previous auto financing history
  • Proof of employment (6 months full-time or 2 years independently employed)
  • Proof of income
  • 3 references (other than a parent/guardian)
  • Eligible for LSCU Membership

Interested? Get pre-qualified with our easy online application or apply in-person at any location. If you have more questions, please feel free to contact us and we'll be happy to assist you.