1-800-221-4020
Menu

Here is what you need to do to get a First-Time Car Buyer Loan:

  • Work hard. This loan is for individuals who have a steady, full-time job, but little or no credit history.
  • Save up. You’ll need to make a down payment of at least 20 percent on the vehicle.
  • Show proof. We’ll need to verify your income and length of employment.
  • Win admirers. Provide us with references who can speak to your character and work ethic.

It’s Time You Have Your Own Ride

Ah, that first car. Like our first love, we remember it forever. It’s not the make, model and color that are so important. It’s the mobility, the opportunity to hold a job, go to school, be with friends and family. It can be hard to convince folks – lenders included – that you’re ready for car ownership. But with our First-Time Car Buyer Loan program, if you can prove to us that you’re a responsible person, we’re willing to lend money at competitive rates and help you get where you want to go.

Convenient Locations

Workers Credit Union provides banking services to greater Chelmsford, Westford, Groton, Townsend, Lunenburg, Lancaster, Leominster, Fitchburg, Orange, Lowell, Worcester, and Athol, MA. Apply for your First-Time Car Buyer Loan online or contact us with any questions.

Checking Account Tools

First-Time Car Buyer Loan PAIRS WELL WITH...

Not ready to make the jump? Take a look at some of the other options, we’re sure you’ll find what you were looking for.

cuSave Online Savings

Yes, we’re paying 1.00% interest. No, we’re not trolling you

Online Banking

We know you need to keep in touch with your finances

Disclaimer

Estimate does not include insurance. Loan amount may vary based upon credit approval. Other rates and terms also available Visit our Rates page for more information.

*The Annual Percentage Rate is as low as 4.25% APR up to 38 Months for 2011–2016 cars. The monthly payment per $1,000 borrowed is $16.79. Rates subject to change without notice. Offers may be withdrawn at any time. Workers Credit Union membership required.

**The Annual Percentage Rate is as low as 4.25% APR up to 38 Months for 2013–2018 cars. The monthly payment per $1,000 borrowed is $16.79. Rates subject to change without notice. Offers may be withdrawn at any time. Workers Credit Union membership required. Other rates and terms available. Drive4Less is not available to refinance current auto loans from Workers Credit Union.
Subject to approval, interest rates may change at any time.

More for your money

As a member of Workers, you are enrolled in our GiveBack program automatically. Don't believe us, see how much you could earn each year. Plus, enjoy access to valuable member resources and programs.