No Credit, No Problem

Haven’t you built up credit yet? No problem. At Town & Country Credit Union, we know that no credit does not equal bad credit. We still offer you a great rate even without a credit score.

We see our members as whole people – not just numbers, said Kalli Schell, Interim President/CEO. By offering great rates to members without credit, we’re able to help them responsibly build their credit without penalizing them with high-interest rates.

A new car could be within reach for no-credit borrowers. Please apply online with us today!

Build Credit Early

Are you a teen or young adult (or parent of one) looking to build your credit? Check out our First Car Loan!

• First Car Loan: Build your credit with a First Car Loan! Designed for ages 23 and under, it includes a 2% APR⁺ discount on the qualifying auto loan rate for new or used vehicles up to $20,000. 
  

Are you looking to build your credit? Contact a financial counselor near you for some free advice today.

Questions?

Not ready to apply but interested in learning more? Please fill out our information request form, and one of our local team members will reach out to you! You may also call us at 1-800-872-6358.

^​+APR = Annual Percentage Rate. Requires a co-borrower over age 18 and automatic payments from a TCCU checking account. Rate and approval based on credit history and underwriting factors of co-borrower. Terms, conditions and restrictions apply and are subject to change. Cannot be combined with other offers. 

*View our SMS/Text Messaging Program.