1st Time Auto Buyer Program

Let's get you out on the open road

Come to us for your first car - and every one after that

No one dreams of taking the bus to work. No one writes songs about begging Mom for a ride into town. But owning your own wheels, cruising down the highway, listening to your jam... that's the definition of freedom. At Excite Credit Union, we think everyone should have a chance to feel that vibe. With our 1st Time Auto Buyer program, we'll explain the ins and outs of auto loans and offer up the financing that puts you in the driver's seat.

  • No credit history necessary
  • Finance new or used vehicles
  • Borrow up to 110% of the retail Kelley Blue Book value*
  • Take up to 72 months to pay us back*


  • Driver’s license
  • Proof of full-coverage insurance
  • 5% cash down payment of total purchase price (new vehicles rebate may be used as down) +
  • 6 months of consistent income with current employer++

Excite Credit Union is a full-service credit union with locations in San Jose, CA, and Wilmington, NC.

Join our community

Getting a membership with us isn't a transaction - it's a friendship, a partnership, a neighborhood-wide collab, a life-long pursuit of better, for you, me, us, them, and everyone else we hang out with in life.