First-Time Car Buyer Program

Simplifies the process for first-timers

Terms up to five years

Just starting out? We help you start the engine with our First Time Car Buyer program.

If you've never financed a vehicle before, it's easy to feel overwhelmed. But that's why we're here - to put you in control and help you cruise into the right loan. There's no pressure from dealer financing because Education First handles everything. Plus, you can build up your credit score while paying off your auto loan at our great rate.

Dog sticking head out of car

Don't grind your gears. We'll put you in motion.

Need to buy a vehicle but don't want to navigate a complicated financing process? We understand. That's why we make it easier for first-time auto buyers to get a hassle-free loan within your price range with our first-time car buyer program. Forget all the road blocks others put in your way. Ours is the fast lane to what you want.

  • You're eligible for a First-Time Auto Buyer loan if you've never financed a vehicle
  • Financing available up to 95% of the NADA value and 75% of your gross annual income
  • Repayment plans up to 60 months
  • Guaranteed Pre-approval for an Education First Federal Credit Union Gold or Platinum VISA
  • May be eligible to refinance at a lower rate after one year of on-time monthly car payments
  • No Credit? No biggie. A cosigner can guarantee your loan.
  • Proof of full-coverage insurance required prior to funding