Get StartedLogin
A man and a woman sitting at a table in front of a laptop computer.

Exitstack

“Jordan is a fantastic contributor to an array of salesforce efforts”

A man in a suit and tie holding a microphone.

Rahat Ahmed 

CEO at Anchorless Bangladesh

A man with a beard wearing a suit.

Tinyflow

“The Web as I envisaged it, we have not seen it yet. The future is still so much bigger than the past.”

A man standing in front of a wall wearing a plaid shirt.

Garo H. Armen

CEO at Agenus

A man sitting at a table talking on a cell phone.

Alibaba

“Once a new technology rolls over you, if you're not part of the steamroller, you're part of the road.”

A man with glasses and a beard is smiling.

Daniel Zhang

CEO at Alibaba

A man in a suit and tie standing in front of a brick wall.

Apple

“The technology you use impresses no one. The experience you create with it is everything.”

A man in a suit and tie posing for a picture.

Tim Cook

CEO at Apple

First-Time Car Buyers
Buying your first car can feel both exciting and daunting.
We’re here to help simplify the process. Our competitive rates and flexible terms will allow you to negotiate confidently at the dealership. We’ll provide ongoing support to make this major milestone smooth, transparent, and enjoyable!
Benefits of First-Time Car Buyer
College Graduate Car Loan Program
We want to help recent grads get excited about driving off in their first car. Our College Grad Program offers excellent rates and flexible terms to simplify buying your first car. Take advantage of the following features and benefits:

- Low rates on new/used auto loans
- Flexible loan terms of up to 84 months
- Easy online application process
- No down payment required. Option to delay first payment by 90 days

You worked hard to earn that diploma. Let us smooth the way forward with special financing on your first set of wheels.


First-Time Car Buyer Loan Rates
View Rates
What Our Members Have to Say.
We want to hear from you, leave a review.
Leave a Review
“Great credit union. Excellent customer service and rates are very competitive. Very friendly staff, highly recommend.”
Christopher M. – Birmingham, Alabama
Our Simple Application Process
Step 1
Step 2
Step 3
Get Started
1st Time Car Buyer FAQs
What support does Legacy Credit Union offer for first-time car buyers?

We provide streamlined loan approval, great rates, flexible loan terms, and continuous support. We aim to make your first car-buying experience uncomplicated and enjoyable.

Can I get a car loan if I have no credit history?

Yes, it’s possible to get a car loan with no credit history. We offer support and flexible loan terms to help you get started on your car-owning journey.

Why is a down payment important?

A down payment reduces the amount you need to borrow. This lowers your monthly payments and the total interest paid over the life of the loan.

What does “loan term” mean, and how does it affect my loan?

The loan term is the period of time during which you will repay the loan. Shorter terms mean higher monthly payments but lower total costs. Longer terms have lower monthly payments but higher total costs.

How do interest rates affect my car loan?

Interest rates directly influence the overall cost of your car loan. Lower rates mean less money paid over the lifetime of the loan. Our fantastic rates make your first car purchase financially manageable.

What should first-time car buyers in Birmingham, AL, consider?

Examine the interest rates, loan terms, and your budget when applying for your first car loan. These elements will affect your monthly payments and the total cost of the loan.

More Ways to Borrow
Learn More
Learn More
Learn More
*The interest rate, annual percentage rate (APR), origination fees, discount points and closing costs are subject to change without notice. ***Your APR will vary based on your final loan amount, credit history, loan to value, margin, and finance charges.

Need Help?