First-Time Auto Buyer Program

Are you looking to purchase your first vehicle? At SRFCU, we make it possible—even if you have little or no credit history.

WHO QUALIFIES

Get the Green Light for Your First Car

You’re eligible for the First-Time Auto Buyer Program if:

  • You are 18 to 25 years old

  • You have a job where you work 30+ hours each week

  • You have held your job for one year

Clear Rates. Real Savings.

Current Auto Loan Rates

Up to 30 Months

New & Used

37 - 48 Months

New & Used

49 - 60 Months

New & Used

61 - 72 Months

New & Used

73 - 84 Months

New & Used

Up to 84 Months

Used (Older Than 5 Years)

WE'RE HERE TO HELP

Designed for Members Just Getting Started

SRFCU’s First-Time Auto Buyer Program is created specifically for young adults taking their first step into vehicle ownership. By focusing on employment stability rather than credit history, we help members build financial confidence and credit for the future.

WHAT TO EXPECT

What the Program Offers

  • Special low rate to help you establish credit¹

  • Terms up to 60 months

  • Easy payment plans to fit your budget

  • Guidance from a local lending team

¹ All loans subject to credit approval and program eligibility. Actual rates, terms, and conditions may vary and are subject to change without notice.

Ready to get started?

Apply now and take the first step toward your first car.