First Time Car Buyer

We know getting started can be tough.  Whether this is your first car; you’ve just graduated from college or you’ve been in the workplace for only a few months, you need a safe and reliable car to get you from here…to there.

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 a opportunity to establish your credit and not have to pay an arm-and-a-leg to do so.  Let us help you get started on your way to vehicle ownership and a great credit score.

 

First Time Car Buyer Discount – take an additional .25% off of these great rates.

Rates
TermsRate / APR
Up to 36 Months2.99% / 2.99%
Up to 37-54 Months3.49% / 3.49%
Up to 55-66 Months3.99% / 3.99%
Up to 67-78 Months4.49% / 4.49%
Up to 79-84 Months5.99% / 5.99%

Apply Now

-or-

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


 

Refinance

Do you have a vehicle 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 find your perfect car or are ready to 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