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Green home

First-time borrower program

The right loan at the right price

Never borrowed money before and want to buy your first car? Need a little extra cash but you have no credit? No worries. Your credit union is here to help.

You can get the cash you need - without a co-signer* - and establish credit with our special loan program we've developed for first-time borrowers. It's designed to offer attractive options and lower rates than programs offered by other lenders. An educational component is built into this unique program.

With our auto loan product, you can borrow up to $12,000 at terms up to 60 months with no down payment required. If you need a loan for something else, our personal/signature loan product enables you to borrow up to $2,500 at terms up to 36 months. Affordable rates are offered on both!

To be eligible, you must have had no previous credit, with one exception to this rule: if you have a credit score that consists of student loans only, you still qualify for our first-time borrower program. You cannot have any derogatory credit (including collection items/judgments). Nontraditional underwriting factors are used. Contact the credit union for complete details.

To apply, visit any of our branches, complete an online application or call 314.962.6363 or 618.239.6363, option 6 then 3.


*If you are age 16 or 17, you must have a co-signer of legal age for contract enforceability, but you may still be eligible for the special rate. Your co-signer must be fully qualified for credit to be eligible.



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