Skip to content

Financing your first vehicle? Check out our first time auto loan program!

This unique program is designed for the first-time auto buyer who may have difficulty obtaining a loan because of limited credit or no credit history at all.


  • No Credit Required
  • Loan amounts up to $25K
  • Terms up to 60 Months
  • 100% MSRP (New) or 100% of NADA Retail
  • Automatic approval for a $500 Line of Credit with a UECU checking account


  • Zero down rate 5.99% APR*
  • 10% or more down 4.99% APR*

*APR means Annual Percentage Rate. Rates current as of July 1, 2017, and subject to change. Must be at least 18 years old and have no previous auto credit to qualify. Refinance of existing auto loan allowed if purchased within the last 6 months. No credit required; however, no derogatory credit is allowed. Payment cannot exceed 20% of monthly gross income. Applicant must be able to prove a minimum of 12 months employment with your present employer or a signed teacher contract and provide a recent paystub. Proof of insurance is required. Other conditions and qualifications may apply. Savings Federally Insured by NCUA.