First Time Car; Recreational & Motorcycle Buyer Discount

Whether this is your first purchase; you’ve just graduated from college or you just need a safe and reliable car to get you from here to there – we got you!

Credit History   Even if you have no credit or limited credit, we can help you get a better rate than most dealerships and other financial institutions.  In the credit world, no credit = bad credit, so some financial lenders will take advantage of this and charge you a higher interest rate.

We believe you need an opportunity to not have to pay an arm-and-a-leg to do so.  Let us help you get started on your way to ownership.

 

Apply Now

-or-

Call Us – we take applications by phone during branch hours (716) 632-9328.


 

Refinance

Do you have a loan now that is in your parent, family member or friend’s name?  Talk to us about refinancing that vehicle into your name so you can build great credit history.  We will even look to see if we can save you a few dollars along the way.  We offer the same great rates (above) and no refinance fees!

Apply Now

-or-

Call Us – we take applications by phone during branch hours (716) 632-9328.


 

Documents

Once you are ready to purchase or refinance, simply provide us with the following:

  • Purchase Order or Bill of Sale (Dealer will provide you or have them send to us)
  • Insurance Binder (Agent can send to us or provide us their information to contact)
  • Copy of Title (Private Sale or Refinance only)
  • Payoff Information: 10-day payoff, name, address and account # (Refinance only)

Fax to (716) 632-1383 or memberservice@westerndivision.org

* Discount may not be eligible to be combined with other discounts/promotional offers.