First Time Car Buyer Loans

Are you a first time car buyer? We can help! Apply for a CCCU Vehicle Loan at our "First time car buyer" loan rate.

• Make your first 3 auto payments on time and receive a CCCU VISA® credit card to help you build credit faster.
• Make your first 12 car payments on time and we'll refinance your loan to a new lower rate if you have earned a better credit score during the first 12 months, and if our rate card is lower.* This allows you the potential to lower your car payments with no refinance fees.
• There are no application, closing costs or start-up fees on your 'First time car buyer' loan.
• No prepayment penalty at any time.
• Make payments through automatic transfer.
• Inexpensive debt cancellation aagreements are now available.
• Your CCCU vehicle loan can increase your Membership level, and earn you more free services!
• Borrower must qualify for each loan. Not all applicants will qualify.

So get Pre-approved now. Call 702-228-2228. Have extra bargaining leverage when you shop.

*You will be offered the lowest rate based on a combination of your credit score and CCCU current rates at the time of refinance. Rates are affected by Prime Rate (which cannot be controlled by CCCU ) and set accordingly by the ALCO committee. Future rates cannot be guaranteed to be lower than they are on the date you fist sign for your loan, therefore, if your signed contract rate is lower than the new rates 12 months after signing, then you may keep the low rate as already agreed. This protects you with a guaranteed agreed fixed rate equal to the lower of either A) the rate at which you originally signed, or B) a new lower rate 12 months later, if your credit score has improved sufficiently to allow for it.