You’ve made it through driver’s ed. You’re tired of borrowing your parents’ car. The time has come for your first road trip—in your own vehicle.

If you’re at least 16, hold a steady, part-time job, and have a qualified adult guarantor, you can apply for an auto loan. We’ll also help you figure out loan payments and negotiate with the dealer so you can minimize road blocks along the way.

How to get rolling:
Read our Credit Tutorial (Credit and Building Credit) and take the Credit Quiz. When you’re done, bring a qualified adult guarantor and your passing quiz confirmation number with you to any SELCO branch to apply for your auto loan. Want more information on buying a car? Check out our Used Car Buying Tutorial too!

Insurance too!
Most auto loans require that you have full liability auto insurance for your car. It’s a good precaution but not always financially realistic. Our First Time Car Buyer loan doesn’t require such extensive insurance.

As a SELCO Score! member, if you have good grades (3.0 or higher), you might be eligible for a good student discount through SELCO Insurance Services.