First Time Car Buyer Loan Program in Cumberland & La Vale, MD | Act 1st Federal Credit Union

Make Shopping for Your First Car a Breeze with ACT 1st FCU!

If you have limited or no credit history and you’re prepared to make your first vehicle purchase, we are here to help! Our First-Time Car Buyer Loan specifically designed for first-time car buyers offers flexible terms, making it an excellent opportunity to establish credit responsibly while also building a foundation for your future. Apply by text (text APPLY to (301) 882-8269), give us a call at (301) 729-8019, or stop by any of our branches.

Why try our First-Time Car Buyer Loan Program?

It provides an excellent opportunity to build your credit history.
You have the flexibility to choose repayment terms that suit your needs.
Gain access to free credit score education.

Do you qualify?

No co-signer required
3 references required
12 consecutive months of employment
Proof of employment and income
Meet minimum debt to income requirements
No previous credit required
No previous auto trade lines on your credit report

Learn More:

See our Rates Page

Use our loan planner calculator

ACT 1st FCU is Federally Insured by NCUA and an Equal Housing Lender. We do business in accordance with the Fair Housing and Equal Credit Opportunity Act. NMLS #654273 APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan. *APY = Annual Percentage Yield. Rates are subject to change at any time and are not guaranteed. We may provide links to third party websites. The Credit Union has no control over any other website and is not responsible for the content, accessibility or security of any site other than this one. Users assume all responsibility when they go to other sites via the links on this page.

Refinance & Ride Into Summer! Refinance your auto loan from another lender to us to lower your APR by 0.5%, and you’ll be entered for a chance to win 4 Hershey Park tickets.