First Time Buyer Auto Loan

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We Make Buying Your First Car Easy

Start cruising with a First Time Auto Buyer Loan

Ready to buy your first car? With a First Time Auto Buyer Loan, you can conquer this milestone with ease. This loan is designed to help those with little or no credit navigate the car-buying experience. Get your new vehicle, grow your credit, and have a partner with you every step of the way.

Ready to begin?

How to Qualify

  • Verification of Income
    • Minimum 12 months employment with the same employer
    • 2 most recent paystubs
    • Previous year's W-2
  • 2 Credit references
  • At least one tradeline paid as agreed for 12 months
  • No negative tradelines on credit report
  • Must complete Zogo First Time Buyer Course Curriculum


You are a first-time buyer if you do not have any current or prior vehicle tradelines on your credit report.
The maximum amount you can borrow is $25,000. The maximum term is 60 months for loans up to $10,000 and 72 months for loans up to $25,000.
There is a minimum of $1,000 cash down required.
Zogo is a free app that rewards you for completing bite-sized financial education modules. By answering questions correctly, you earn pineapples, which can be redeemed for gift cards to your favorite stores. By completing the First Time Buyer module, you can prepare for getting your first auto loan and earn rewards along the way!

Find Your First Car

Not sure where to start looking for your vehicle? With our Find a Car feature, you can search vehicles from preferred dealers to get you the best price possible. Find your ride without leaving the comfort of home and without the tracking cookies. Plus, auto loan members receive a free myEZ Car Care Membership to save you money on auto service and travel.

You Have Your Ride. Now Protect It!

Our Insurance Representative, Lorrie Freeman can help you find the policy that meets your specific needs. Texas Bay's Insurance Group works with a wide range of A rated carriers so you can get the type and amount of coverage that fits you.

Want a more detailed view of your loan?

Vehicle age, mileage, and LTV restrictions may apply. Membership eligibility required. Relationship Product Discounts lower your rate up to a .50% reduction from the standard rate. The standard rate is based on your credit at the time of application. Discounts per product vary. A combination of products reach up to .50% rate reduction.