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.
*Total amount financed is based on the age of the vehicle, total mileage, and other factors. New vehicle – 2 years or newer and less than 20,000 miles, used vehicle – 1-7 years old with over 20,000 miles. Older Used vehicle – 8-10 years old with less than 80,000 miles
+Down payment is of total purchase price and must be derived from cash (or trade-in, rebates accepted on new vehicles only.
++Income must be from one job. Overtime, bonus or commission income will not be counted.