Limited or no credit history? We could help.

College students or recent grads: Apply for a low-rate vehicle loan and up to $200 in gas cards.

What is the First-time Vehicle Buyer Program?

When you graduate from college, you need to get a job. But in order to get to interviews, oftentimes you need to get a car. With little to no credit, many lenders won't give you the rate that you deserve.

At DuPage Credit Union, we understand the struggle. That's why we created the First-time Vehicle Buyer Program which offers qualified members low vehicle rates and the following benefits:

  • Loans up to $25,000
  • Terms up to 84 months
  • Up to $200 in gas cards for on-time payments
  • No prepayment penalties
  • Helps build credit
Test drive

Am I eligible for the First-time Vehicle Buyer Program?

If you're between the ages of 18-24 and have been with an employer for at least two years OR have a signed offer letter, then we could help get you into the car you want at a rate you can afford.

Not sure if you're eligible? Take the quiz!


How old are you?

  Younger than 18   18 or older

Are you currently employed?

  Yes   No

Are you a college graduate with a signed offer letter from an employer?

  yes   no

Have you had a previous auto loan in your name?

  yes   no

How old is the vehicle you want?

  10 years or older   newer than 10 years

How many miles does the vehicle you want have?

  less than 100,000   more than 100,000

Congratulations! You're eligible for the First-Time Vehicle Buying Program.

Based on your answers, you seem to check all the boxes for our First-Time Vehicle Buying Program and can qualify to receive $200 in gas cards!


Sorry, looks like you are not eligible for this program.

Based on your responses, it looks like you aren't eligible for this program. However, you can still take advantage of rates as low as 5.90% APR¹ when you apply today!

Get help with the First-time Vehicle Buyer Program.

If you’re between the ages of 18-24 with limited or no credit history, it can be difficult to qualify vehicle loan. The First-time Vehicle Buyer Program helps you qualify for a low-rate vehicle loan by looking at a number of other factors.

If you qualify for the First-time Vehicle Buyer Program and your application is approved, you’ll receive a $100 gas card after you make your first month’s payment on time, and then another $100 gas card after 12 months of on-time payments.

Ready to apply?

Apply now and qualify to receive $200 in gas cards.

  • Member must be in good standing. Not available on loans currently financed through DuPage Credit Union. Some restrictions may apply.

  • APR = Annual Percentage Rate. Rates may vary based on creditworthiness, term and collateral. All loans, terms and conditions are subject to credit union qualifications and approval. Rates are subject to change without notice. Payment Example APR’s are based on term with a monthly payment per $20,000 financed (7.54% APR/84 mo, $307.16). Some restrictions may apply. Does not apply to loans currently financed through DuPage Credit Union. Must be a Member in good standing.

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