First Time Buyers

If you are looking at buying your first vehicle and have very little or no credit, our First Time Buyers Program might be just what you’re looking for.   We would love to get you pre-approved, which can be a great bargaining tool . Call us or fill out an online loan application today!

With a Prestige First Time Buyer Program Loan, you’ll get:

  • Amounts up to $15,000 on an individual basis or $20,000 with a qualified cosigner (parent)
  • Competitive Rates available
  • Pre-approval available
  • Terms up to 60 months


  • Must be between the ages of 18 and 27 years old
  • Individual or family member must be a credit union member for at least one year
  • Minimum of one year at current job, unless have a qualified cosigner
  • Proof of income of at least $1,500 a month
  • Minimum 10% down payment of MSRP or NADA retail value (not including rebates)
  • Automatic payments required
  • No credit required*
  • Proof of auto insurance required prior to funding
  • Refinance if purchased in last 6 months is acceptable
  • Auto may not be over 10 years of age from current year

Not sure if you meet the qualifications?  Give us a call at 972.715.4444 and we can discuss your situation.

*Subject to credit approval.  Must be eligible for membership at Prestige Community Credit Union.  There must be no previous vehicle credit history or derogatory credit history.
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