Guidance and financing to help you make a confident first purchase
Our First Time Auto Buyer Program is designed for those who have little to no credit and are ready to purchase their first vehicle.
Purchasing your first vehicle is an exciting time in your life! Credit Union of Denver is here to help you understand the car buying process. Let’s get started!
Up to 60 months
Payment Example New: $18,000 at 4.95%APR for 60 months is $339.27 per month.
4.95%
61 to 72 months
73 to 84 months
Payment Example New: $18,000 max amount at 6.99%APR for 60 months is $356.34 per month.
up to 84 months
Payment Example: $9,999 max amount at 7.75%APR for 84 months is $154.60 per month.
85 to 120 months
121 to 144 months
145 to 180 months
181 to 240 months
4 Annual Percentage Rate
Not all borrowers will qualify for the lowest rate. Rates are current as of 09/01/2026
First, review our infographic with suggestions about preparing and getting an auto loan to purchase your first car, truck, or SUV.
Secondly, we have a lot of resources to help you along the way. One of those is our First-Time Auto Loan which is designed for those who have little to no credit and are ready to buy their first vehicle!
NOTE: Your auto loan repayment will depend on how long your loan term is, the amount borrowed and interest rate that is approved for the vehicle selected.
Payment example: For Vehicle Loan of $18,000 for 60 months at the best rate of 4.95% APR = monthly payment of $339.27.
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Talk with a Loan Specialist — we’re here to help.
📞 303.202.5659 | 800.280.0234 ✉️ support@cudenver.com
Finance your next vehicle with competitive rates, flexible terms and a simple, stress-free process.
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Lower your rate, reduce your monthly payment, or both by refinancing your current auto loan.
Plus, don't forget to review the Insurance Requirements for our auto loans.
If you use your personal vehicle for a driving service (Uber, DoorDash, etc.) you will need extra insurance to protect your assets. Please read this blog post for more information.
2 APR=Annual Percentage Rate. Loan qualification and (APR) Annual Percentage Rate based on individual credit worthiness. Not all borrowers will qualify for the best rate and terms may vary on amount financed. Rates Current as of 09/01/2026. Rates are subject to change. Insurance Requirements. C·U·D membership of $5 required.