First Time Loans

decorative imageMilestone Moment – Your First Car

Are you ready to buy your first car? It can be pretty overwhelming, but our First Time Car Buyer Program is designed for those who have no credit history at all. This auto loan comes with a competitive rate, easy to manage terms, and is an excellent opportunity to establish positive credit history. We’ll help you every step of the way and get you on the road in no time! Here's what you need to know...


  • Must be at least 18 years old
  • Employment and income verification required
  • No credit history required (no bad credit, either)
  • Proof of auto insurance required
  • Other qualifications may apply


  • Great Fixed Rates
  • Available for new and used auto purchases
  • Maximum loan amount is $15,000
  • Flexible repayment options

Personal Loans

Every youth needs to learn the importance of credit. Small personal loans (minimum $300) are available to help you work with your child on the responsibility of a monthly payment or setting a goal. Personal loans may also be available to assist with various school expenses. Let us help you start building your credit.

If you have questions and would like to speak with someone, feel free to stop in any branch or call our Lending Department at 804-843-2520, option 3.