Products > Loan Solutions > First Time Auto Buying Program

JSC FCU is here to help make it as easy as possible for you to apply and obtain your first auto loan.  Our First Time Auto Buying Program is designed to offer auto loans that will meet your specific needs, no matter what your situation may be.  As a first time buyer, you may only have limited credit or even no credit history at all, and we get that.  You can depend on JSC FCU to offer you a loan with manageable terms, competitive rates as well as provide the opportunity for you to establish a positive credit history in the process.

You can apply for any of the First Time Auto Loans by applying online or visiting a branch location.

energy Auto Loan
-for individuals with no credit or limited credit history
-qualified co-borrower may be required

C.U. Save Auto Loan
-for individuals with no credit or limited credit history
-has ability to save 6 monthly deposits equal to the estimated monthly auto payment
-qualified co-borrower may be required

Power Savings Auto Loan
-for individuals with no credit or limited credit history
-has ability to secure funds equal to 20% of the total amount of the auto loan
-qualified co-borrower may be required

JSC FCU knows there is so much to think about when purchasing your first vehicle, and we want to make sure you have all the tools and information you need to become educated in the entire process.  Check out the steps listed below to see what you’ll need to do to apply for and obtain a JSC FCU First Time Auto Loan.  Also be sure to review our Step by Step First Time Auto Buying Guidelines where you can learn about checking your credit history, choosing the best vehicle for your budget, what to do before visiting the dealership and so much more!

Auto Buying Resources
 - Step by Step First Time Auto Buying Guidelines
 - Auto Buying Video Tips 1 of 3
 - Auto Buying Video Tips 2 of 3
 - Auto Buying Video Tips 3 of 3