First Time Auto Buying Program

Ready to Buy a Car? We’re here to help. Sometimes the process can be a little stressful, but we have developed a program just for you. We’ll steer you through the process and get you ready to purchase your first vehicle.

Little or No Credit? No problem. We have the solution for you. We will help members with little or no credit get a very competitive interest rate on their loan and without a co-signer.  We’ll ensure your payments are affordable and help you establish a positive credit history along the way. We’ll even provide you an online search tool that will help you find your car.

Program Details:

  • 5.24% APR*
  • Flexible Terms (36, 48 and 60 months)
  • Loans Available for New and Used Vehicles (financing available for vehicles up to 10 years old)
  • Maximum Loan Amount is $20,000

Paying a Higher Rate on Your First Auto Loan?

Refinance your current loan from another financial provider and start saving today!


We’ll help you through your auto buying process and beyond…

First Time Auto Buying - GrooveCar Auto Buying Resource

Auto Buying Service
Start the search for your new car using a new auto buying service. With this exclusive, car search website, finding a car will be a breeze. The site provides all the information; data and inventory you will need to get started searching for your new car. logo - Auto Glossary

Auto Buying Glossary
Gain a better understanding of Auto Loan Financing with this helpful DMV Glossary. This list contains the most common auto term definitions in the industry.


Auto & Credit Educational Articles Fresh out of Café Finance are helpful articles relevant to auto buying and building credit. The Café is PFCU’s educational library which you can access anytime at your convenience. Stop by and pick up some helpful tips before you start your car buying journey.

Are you ready to get into your dream vehicle today?

Get started today and experience PFCU’s First Time Auto Buying Program

Federally insured by NCUA.*APR=Annual Percentage Rate. New or used vehicle loan, 5.24% APR for 60 months, $19.00 per $1,000 borrowed. The rates and terms of the offer are subject to change at any time.  Program underwriting guidelines must be met for loan approval.  New members must open a savings account with a minimum deposit of $5 to qualify for membership and loan rates. Contact the credit union for more details.