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First Ride. Right Rate.

Make your first big purchase easier with auto loan rates as low as 4.49% APR.*

Apply Online Auto Buying Service
Woman smiling and embracing a red vehicle in a car dealership showroom, expressing satisfaction with a new car purchase.

First Time Auto Buyer Program

Buying your first vehicle is exciting, but if you have limited credit history, getting approved for financing can feel challenging.

That's why we offer a First-Time Auto Buyer Program designed specifically for first-time buyers. Whether you're purchasing your first vehicle for work, school, or everyday life, we're here to help make the process easier.

  • Designed for first-time buyers with limited credit history
  • Financing options for working adults and recent graduates
  • Competitive rates as low as 4.49% APR*
  • Personalized guidance throughout the buying process
  • Access to Guardians Auto Connection to help you shop for the right vehicle

Your first vehicle may be closer than you think. Apply for an Auto Loan today.

Apply Online Calculate Your Payment Auto Connection

*APR = Annual Percentage Rate. Rates, terms, and conditions are subject to change without notice. Rate based on creditworthiness. No prior automobile loan reported within credit file. Minimum downpayment and monthly income required.

Get Started Today

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