First-Time Auto Buyer Loan

  • Buying a car for the first time?
  • Little to no credit?
  • No co-signer needed!
  • Competitive rates!

Loan Rates


Apply for a Loan


At Pioneer FCU, we want to help you get into your first set of wheels, and the First-Time Auto Buyer Loan will get you there! All you have to do is find the perfect car, and we'll take care of the rest!

Visit any of our convenient branches or click here to complete your FREE Credit Score Analysis to get started. We'll even add an additional $500 to obtain a Share Secured Visa® credit card which will help you establish your credit score faster! Other benefits that come with the First Time Auto Buyer Loan include:

  • Financing for up to 100% of retail value of your new car*
  • No down payment required
  • Easily make loan payments each month by scheduling an auto transfer at any branch or through myPioneer Online Banking
  • Access to 30,000+ Shared Branching and 5,000+ ATM locations
  • A dedicated Financial Solutions Partner that will work closely with you to raise your credit score to 720

If you have any questions, please contact us at (208) 587-3304 or We're excited to help you with your first car purchase, and to move your money forward!

*Vehicle cannot be older than 10 years and have no more than 125,000 miles. Membership required. Member must have/open a Checking Account with Direct Deposit. Hard close required. Annual Percentage Rate (APR) is based on qualified credit. Application fee may apply. All loans subject to credit approval. All rates are subject to change as a result of Board of Directors' action. Other conditions may apply.