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First-Time Auto Buyer

Just because it’s your first car doesn’t mean you can’t buy with confidence. We’re here to help. 

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Start your journey off right

  • Preapproved loans, even with little to no credit. 
  • Up to 90% financing.
  • Quick decisions. 
  • Extended warranty options, whether new or used. 
  • With GAP Advantage, your loan balance will be waived if your car is totaled or stolen. 
See Current Rates

Looking for a new car?

AutoSMART allows you to compare cars from local dealerships of all makes and models in just a few clicks! Get pre-approved for a SELCO auto loan to get one step closer to finding the car of your dreams.

  • Search hundreds of new or used cars and commercial vehicles.
  • Find local, trustworthy dealers.
  • Use the comparative pricing analysis, vehicle guides, and trade-in value tools to power your negotiations.

Get started by entering the vehicle information in the "Find a vehicle" tool or visit AutoSMART to learn more.

Discover AutoSMART
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Buying from a private seller

Thinking about buying a car from a third party? Our step-by-step guide will help steer you through the process, from securing financing to signing the final paperwork.

Explore the Car-Buying Guide
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Calculate estimated monthly payment

Get an idea of what your monthly payments might look like with our free online auto loan calculator. 

Auto Loan Calculator

Take our credit quiz for a rate discount

You likely know that credit pays a major role in your financial power. But what is it, exactly? And why does it matter so much? Read this brief article to learn more, and take the quiz at the end to get a better rate on your loan. 

Please note: Discount not available for borrowers already eligible for lowest available rate.

Take the Quiz

Resources

A blue toy car sitting on top of a laptop keyboard.

Carvana: An Online Car-Buying Nirvana?

With a quick stop at the Carvana website, you can order a used car and have it delivered in 1–2 weeks—or take a road trip/fly to pick it up the next day at one of Carvana’s unique “vending machines.”

Young girl driving car with a smile

Before You Sign Your Auto Loan

Financing a new or used car can be complex. Make sure you know all your options and have a clear understanding of what lies ahead.

Two people on a snowmobile.

Recreational Vehicles Made for Winter Adventure Seekers

The weather may be turning colder, but that doesn't mean the adventure needs to end. Maybe it's time to explore with a snowmobile, ATV, or RV.

People making financial mistakes.

The Financial Mistakes of Our 20s and 30s

Start saving for retirement when you get your first job and you’ll develop a healthy savings habit that will serve you well down the road.