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How can we help you with your vehicle loan?

  • Are you buying a car, or refinancing a current loan?
    • Buying a car.
      • Do you have enough for a down payment?
        • Yes
          • Great. When purchasing a vehicle, a down payment can help with financing. Is this your first time buying a car?
            • Yes
            • No
              • Do you plan to go straight to the dealer?
                • Yes
                  • If that’s the case, we think you’ll love our Credit Union Direct Lending (CUDL) program. We can get you pre-approved up to a certain amount, so you can make a purchase decision right at the dealership.
                • No
                  • Sounds good. Come talk to us and we can get you a great loan for a New or Used vehicle.
        • No
          • That’s okay, we’re here to help! We offer up to 130% financing for New and Used vehicles.
    • Refinancing.
      • Awesome! We want to help you with that. We’ve helped many people lower their monthly payments, their overall interest rate, or take cash out to pay off other debt.

What Is It?

First Time Auto Buyers Program from Yolo Federal

If you’re interested in buying a car, but have never taken the plunge before, try our First Time Auto Buyers program. You don’t need an extensive credit history to qualify, and you won’t have to put down an unrealistic sum of money.

Why Yolo Federal

There's a first time for everything

  • Get a loan without an extensive credit history
  • An exclusive program we only offer to our members
  • Loans up to 90% of the purchase price


  • What are the loan requirements?

    These are a few of the requirements for getting a loan through our First Time Buyers program:
    – You must be a Yolo Federal member for at least 12 months, and be in good standing with an active checking account.

    – You must have a minimum of 6 months at your current job, and provide proof of income.

  • How much can I get a loan for?

    You could get a loan for up to 90% of the purchase price or value (whichever is less), with minimum $500 cash down payment.

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