First Time Car Buyer Loans

Save Money and Shop for Your First Car With PNWFCU^®

If you’ve got little or no credit and you’re ready to buy your first vehicle, we are here to help. Our First Time Auto Buyer Loan has flexible terms, so it’s a great way to responsibly build credit as you build your future. Apply online and get approved quickly with our easy application process, or stop by our branch.

And whether you’re interested in purchasing a brand new vehicle or driving away in a road-tested used car, we’ll help you find the car you want with our AutoSmart auto resource center.

It’s easy to get a First Time Auto Buyer Loan and start building your credit with us.

No credit history required
Minimum 12 months of continuous employment history
User-friendly loan application process
Affordable mechanical repair coverage and debt protection
Car buying service and car shopping resources
Half-off CARFAX reports as a PNWFCU^® member
Discounted car insurance

*Call or email a loan officer at 503-256-5858 for more details and specific borrower and vehicle eligibility requirements.

Auto Resource Center Apply Now

Monthly Car Payment Calculator

Learn how much car you can afford with our car calculator. Enter the highest monthly payment you can afford, down payment, trade-in value (where applicable), loan term and interest rate.

Loan Calculator

Tips For First-Time Car Buyers

Talk to us and get pre-approved before you shop.
Research your car options.
Have the car checked out by a mechanic before you buy it.
Check the car’s CARFAX report.
Get a quote on car insurance and maintenance before you choose a car.
Review CFPB’s guide on getting a car and an auto loan.
Read NerdWallet’s guide to buying your first car without overspending.
Watch these helpful FTC videos on financing, car add-ons, and shopping for a car.

Resources

Car Buying resources

Half-Off CARFAX Reports

Loan Rates

Loan Protection

Discounted Car Insurance

Refinancing

Auto Loan FAQ

You work hard for your money. In an uncertain world, you want to know you can trust the people who are looking out for your financial future.

PNWFCU has been putting people before profits since 1942. Our philosophy is all about giving back, not only to our members, but to the community where they live, work and play!

That’s because we’re a member-owned not-for-profit. This cooperative model means that we’re invested in your financial success – helping you get your first checking account, car loan, home loan, and more. Instead of hanging on to profits, we give them back to you in the form of lower fees and better interest rates.

You’re not just an account, you’re a member, with all the privileges and benefits that come with it.

Learn More About PNWFCU Membership

It’s important to know how much you can afford and to set a realistic budget. Getting pre-approved with PNWFCU is easy. You can start the loan application process online, or visit one of our branches to talk to a loan officer in person.

Get Pre-approved

You can make one-time or recurring loan payments online from your PNWFCU account.

Soon, you’ll be able to make online payments on your PNWFCU auto loan from other financial institutions.

You may also be able to skip a loan payment once per 12-months using our Skip-a-Pay service (learn more about terms and conditions here).

So many!

From our Cash Awards Visa credit card (1% cash back on purchases and no annual fee), to our suite of financial literacy resources and tools, Pacific NW FCU membership equips you with everything you need to make your financial dreams a reality.

Products and services include:

Not to mention the intangible benefits of belonging to a local financial institution with roots in the community. You can feel good about trusting your money to a place that’s connected to the people, places and organizations around us. Read about our community service.

Pacific NW Federal Credit Union