First Car Loan

Buying your first car is super exciting! You'll finally have a vehicle of your very own. No more asking Mom and Dad to drive you from place to place. But, a first car comes with a price tag. Whether you've been saving for a few years or just started, we're here to help you finance your new ride with our first car loan.

Not only will your first car loan finance your new wheels, but it can also jumpstart your financial health by building your credit score. Your credit score will come into play as you grow older and apply for credit cards, home loans, and more. It's a number between 350 and 850 representing your creditworthiness or, in other words, your ability to pay back debt. Your credit score will grow as you make payments on time toward your first car loan. Plus, the earlier you establish a credit history, the better.

First Car Loan Details

• 2% APR* off your auto loan rate (minimum rate of 2.99% APR*)
• Ages 14-23 (Buyers 17 and under require a co-borrower over the age of 18, and the rate is based on co-borrower's credit history.)
• For new or used vehicles, borrow up to $20,000.
• Payment automatically transfers from your free TCCU Checking Account
• No Loan Document Fee

Insurance

In need of insurance for your first car? Town & Country Insurance Agency has experienced agents in Fargo, Minot, and Berthold, ready to help! Click to learn more and get connected with a local agent.

*APR = Annual Percentage Rate. Stated rate is effective 2/20/2026. Rate and approval based on credit history and underwriting factors of co-borrower. Terms, conditions and restrictions may apply and are subject to change. Cannot be combined with any other offers. TCCU Checking account with automatic payment required.