First-Rate First-Time Auto Loans

You want a new (or new to you) car. Suddenly, you’re surrounded by Catch-22s and confusion: You need credit to establish credit. You need money to borrow money. How much can you afford? How long will you make payments? How much do you need for a down payment?

Before the auto purchasing process drives you crazy, come see us.

First-Time Buyers, Get in the Fast Lane to Purchasing

At County Federal, we cut through the “need credit to establish credit.” College Students without credit can establish credit without a co-signer using our College Auto Loan program

Here’s the basic 4-1-1 of our auto loans.

  • We have loan terms up to 5 years (60 months)
  • You can purchase a new or used vehicle
  • Loan amounts up to $20,000
  • Affordable monthly payments

To help you get started, we have several nifty calculators. Here, you can see what your payments might be, how much vehicle you can afford, a comparison of our loan versus the dealer’s 0% financing, whether you should consider a lease or purchase, whether to upgrade to a more fuel-efficient vehicle and more.

Pick a Car, Any Car

When it comes to vehicle shopping, we have several great options, each with its own perks.

Make the Connection

We have some fantastic in-house Car Connection consultants who can help you find the perfect ride without any hassle. Here’s how it works.

  1. Contact Car Connection
    You can reach them by clicking here or by phone, e-mail or in the branch.
  2. Vehicle Search
    Your Car Connection consultant will work to find you the vehicle you want at the best price.
  3. Secure Discounted Financing
    When you use our Car Connection consultants, we reward you with an additional .50% APR* discount when you finance with us.

Make the Sale
Several times per year, we host a private members-only sale of pre-owned vehicles. The vehicles include late-model cars, trucks, SUVs and vans, many of which are still under warranty.

Even better? The sale offers special prices and on-the-spot financing.

Make it Enterprise
We’ve teamed up with Enterprise Car Sales to offer members special rates and benefits on more than 250 makes and models of late-model cars, truck, SUVs and vans.

Purchasing one of “our” Enterprise vehicles entitles you to several benefits that can save you hundreds. You also get peace of mind from this list of pluses.

So when you’re ready to take your act on the road, take it first to County Federal. We can help you drive a bargain with ease!


*APR = Annual Percentage Rate. All loan policies, rates and terms are subject to change without notice and all loan requests are subject to credit approval. 7.99% APR is valid for terms up to 60 months. Quoted loan rate is the lowest rate offered based on individual credit worthiness. Rates include 2% automatic payment discount, add 2% for manual payment. Discounts do not apply to promotional rate loans and inhouse refinances. Payment amount per every $1,000 borrowed at 7.99% for 60 months equals $20.28 per month. Borrower must be over 18 years old; employed at least part-time; a student at an accredited college, university, or trade school, or a recent graduate (less than one-year post graduation). Must have no FICO score, or limited credit history. Down payment required. For more payment samples, use our payment calculator or call 408-282-0700 to speak with a Loan Advisor.