Buying your first car can be a very exciting time!  But it can also be stressful with all the options to consider. What make of car? New or Used? Lease or Buy? Can I afford it?

Instead of wondering what you can spend on a vehicle, why not come in and speak to one of our lending professionals for a pre-approved loan to find out how much you can afford before you start looking? We can talk to you about all of the options that you have available to you, what information to get from the dealership or seller, and help you to make sure that you're comfortable with this new purchase.

St. Joseph's Credit Union's first time car buyer program is in place for those young adults just starting out with little to no credit history. To qualify for the first time car buyer program in which no co-signor would be required, you must meet the following conditions:

• A maximum loan amount of $15,000

• Require a verified minimum income of $1,000 a month

• At least 1 year consistent employment history

• Require a minimum of 10 percent down payment

• The loan amount cannot exceed 75 percent of your annual income

• Finally, you have to pass a Financial Literacy Test

Contact one of our lending professionals today to set up an appointment at 902-226-2288.