First Time Auto Buyer Program

For our members with limited credit history

Five Convenient Branches:
Hazel Dell | Battle Ground | Fisher’s Landing | Vancouver Waterfront | Ridgefield

Ready to buy your first car? We can help!

teen holding car keys

Our First-Time Auto Buyer Program is designed for the first-time car buyers 18 years or older. You may have had difficulty obtaining a loan because of limited credit or no credit history at all. This loan will not only help you purchase your first vehicle, it also provides the opportunity for you to establish a positive credit history in the process.


  • Loan amounts up to $10,000
  • Terms up to 60 months
  • Great loan rates
  • 8.00% APR* if vehicle is 3-years or newer
  • 9.00% APR* for vehicles greater than 3-years and 7-years or less
  • Low Monthly Payments
  • No Co-Maker Required
  • Start establishing good credit



  • Must be 18 years or older
  • Minimum down payment of 10% of purchase price
  • Minimum 12 months employment with present employer
  • No credit required, however, no derogatory credit is allowed
  • Proof of automobile insurance is required prior to funding
  • Have not previously financed an auto in your name
  • Must meet current debt-to-income ratio requirements


Example: If you borrow $1,000 for 60 months at 8.00% APR, your monthly payment would be $19.93.

*APR = Annual percentage rate. Subject to credit approval.  No other offers or discounts apply.