First Time Auto Buyer Program

Finance your first auto loan with Wanigas Credit Union

Take the wheel with our First Time Auto Buyer Program and make your dream of purchasing a car a reality. If you have limited credit, don't worry - you may still be able to finance an auto loan with us. Our experts guide you every step of the way, no matter what path you're on, and make the car-buying process smooth and hassle-free. 

Our First Time Auto Buyer Program puts you first:

  • Get up to $150 cash back after making your first payment* 
  • Discounted loan rates just for being a member**
  • Assists young adults 18+ purchase their first car and establish credit history
  • Flexible terms for affordable payments
  • Easy online pre-approval in minutes

View Rates     Apply Online

Simple requirements for the First Time Auto Buyer Program:

  • Valid on direct loans only (cannot be funded at dealership)
  • Minimum loan amount of $5,000
  • Must be 18 years or older with Michigan drivers license
  • Must have proof of income with 6 month job history (waived if recent college graduate with valid employment offer letter)
  • Complete First Time Buyers training with a certified FPCU financial guide

Get ready to drive off in a new vehicle

Are you in the market to purchase your first vehicle? We're here to help. If you still have questions regarding our auto loans and First Time Auto Buyer Program, contact us or view our Loan FAQs today to learn more. 

Loan FAQs     Apply Online

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GAP Insurance
 Protection that pays the remaining difference between your vehicle value and balance still owed.

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Discounted Loan Rates
Save money on your payment just for being a loyal member.

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Tell your Friends. Get $50! 
You'll both receive $50 when you refer a friend or family member.

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Easy Payment Options
Take care of your bills automatically with recurring or one time payments.

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Easily manage your loan

Sign up for digital banking in minutes online or at any branch location and download the mobile app to take us wherever you go.

Solutions for every aspect of life

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A loan for your every need from vacations, to emergencies, or making home improvements.

Personal Loans

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Our Free Checking account features all of the basics you’ll need!

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*Direct deposit and auto pay required to receive $150 incentive. Incentive will be deposited within 7 business days of meeting requirement. Subject to 1099-INT. Cannot be combined with any other offer. Restrictions apply. See Credit Union for complete details.

**Refinances of eligible Financial Plus Credit Union loan(s) qualify for member discount at today’s rates. The Loyalty Discounts exclude lines of credit, Greenlight Loan, mortgage, home equity, and commercial loans. Direct Deposit of the payroll is required. If Direct Deposit and Auto Pay requirements are not maintained, you may be subject to a Direct Deposit/Auto Pay Cancellation Fee in the amount of $125.00.