First-Time Auto Buyer Program
Buying your first vehicle is exhilarating! UCU's First-Time Auto Buyer Program offers a loan that helps finance your vehicle and builds your credit history.
You deserve to have a lender looking out for your best interest. Once you're ready to apply for your loan, do it online quickly. If you're still trying to figure out which vehicle you want and can afford, our auto-buying services can help.
Read More + Click Read More 
Benefits of UCU's First-Time Auto Buyer Program
Interested in buying a vehicle but have limited or no credit history? We can greenlight your first purchase with our First-Time Auto Buyer Program.
- Competitive rates and manageable terms
- A great way to establish your credit history
- Ideal for limited or no credit history
- Apply quickly and conveniently using our online process
- Get help with your car search and selection
Low auto loan rates
Our competitive rates for new and used car loans are as low as 5.24% APR*.
View rates about 
First-Time Auto Buyer
Get rates as low as 8.24% APR as part of our First-Time Auto Buyer Program.
How to get pre-qualified and pre-approved for a mortgage
Read more about How to get pre-qualified and pre-approved for a mortgage
Avoiding Online Scams in the Digital Age
Read more about Avoiding Online Scams in the Digital Age
6 Steps for Smart Credit Management
Read more about 6 Steps for Smart Credit Management
Student Loan Debt Consolidation 101
Read more about Student Loan Debt Consolidation 101
How Home Equity Lines of Credit (HELOCs) Work
Read more about How Home Equity Lines of Credit (HELOCs) WorkFrequently asked questions
Need more information?
- How do I apply for a UCU First-Time Auto Buyer loan? At University Credit Union, you can complete almost all of our loan applications online in just a few simple steps. Our First-Time Auto Buyer Program is no different. Find out just how easy securing a first-time auto loan can be. Learn more
- What rates does UUCU offer to first-time auto buyers? Our rates are designed to fit into your budget no matter what. First-time auto buyers have access to competitive rates, regardless of credit history. Browse rates now. Learn more
- How do I choose a vehicle as a first-time auto buyer? UCU is here whether you want a sporty sedan or a family-friendly SUV. Whatever you’re looking for, we have helpful auto-buying services to help you get behind the wheel. Learn more
- What kind of car insurance do I need as a first-time auto buyer? You’ll need liability insurance if your car is damaged or totaled. We also recommend Guaranteed Asset Protection (GAP) to cover the difference between what you owe and the market value of your car if it is totaled. Learn more
- Can being part of UCU’s First-Time Auto Buyer Program help my credit? UCU’s First-Time Auto Buyer Program is ideal if you have limited credit. We can help you get approved for an auto loan and improve your credit with regular payments. Learn more
Latest resources
Helpful forms
We're committed to convenience. Our forms make life easier and smarter for our member-owners.
Learn More about Helpful forms 
Financial wellness
Our financial wellness modules can help you reduce debts and increase returns.
Learn More about Financial wellness 
Digital banking
Check your balance, pay bills, transfer funds, and deposit checks, all with our digital banking platform.
Learn More about Digital banking *APR = Annual Percentage Rate. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 70% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 70% and/or terms greater than 36 months. Rate applies to vehicles up to seven model years old and newer.
Related services
Financial wellness
Use our helpful financial resource guides to discover how to pay for college, determine your house-hunting budget, or calculate how much you'll need to save for retirement.
Learn More about Financial wellness Rates
Get the best deal possible on auto loans, consumer loans, credit cards, and HELOCs by taking advantage of our highly competitive interest rates—just for member-owners.
Learn More about Rates Find a location near you
You're covered from coast to coast with 30,000 surcharge free CO-OP ATMs and 5,000+ shared branches