Skip links

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!

A happy first-time car buyer in Birmingham AL, smiles as she drives down the street.

First-Time Car Buyer Benefits:

Competitive Rates

We offer great financing rates to make buying your first car more affordable.

Streamlined Approval Process

Our auto financing process makes the road to your new ride quick and easy.

Flexible Loan Terms

Varied loan terms offer a repayment plan tailored just for you.

Dealer Network

Get financing through Legacy at participating car dealerships.

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.

A Birmingham, AL college graduate and first-time car buyer celebrates as he drives his new wheels off the dealership lot.

Legacy Credit Union First-Time Car Buyer Loan Rates

We offer competitive auto loans tailored specifically for first-time buyers like you. Explore our custom rates that aim to make purchasing your first car more manageable.


Our Simple Car Loan Application Process

Apply In-branch or Online

Apply In-branch or Online

Stop by any branch or click the link below to complete our simple online car loan application.

Get Pre-Qualified

Get Pre-Qualified

We’ll let you know how much you’re approved for so you can negotiate confidently.

Go Car Shopping!

Go Car Shopping!

Great news – you’re pre-approved! It’s time to find your perfect car and start the engine.



“The people there are nice and professional. I’ve banked there since nineteen eighty-nine.”

– Octavia B., Birmingham, Alabama

FAQs About First-Time Car Buyer Loans

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.

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.

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.

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.

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.

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.

Let Legacy Credit Union Help You Get Behind the Wheel Today:

Get Pre-Approved
Call: 205-930-5000
Contact Us

Saving Account Options

Share Certificates

Earn higher returns on your savings without locking your money away. Our flexible certificates help your funds grow faster.

Learn More

Incentive Savings

Want to grow your savings quickly? Our incentive accounts boost your balance when you meet periodic saving goals.

Learn More

Club Accounts

Automatically build a fund for vacations, holidays, and special occasions. Our club accounts put life events within reach.

Learn More
Return to top of page

New Member?
Forgot Password?