This page uses JavaScript. Your browser either does not support JavaScript or you have it turned off. To see this page properly please use a JavaScript enabled browser.
Go to main content
Explore Products
Arrowhead Credit Union Arrowhead Credit Union
Arrowhead Credit Union
Checking>Credit Cards>Auto Loans>Personal Loans>Home Equity>Mortgages>Savings>Certificates>Investments>IRAs>See More>

Smart Start
Auto Loan

A special program for first-time auto buyers.

first time auto loan programs
To Qualify
Rates & Fees


Getting an auto loan for the first time can be easy, we promise! Our Smart Start Auto Loan program helps first-time auto buyers finance their vehicle all while building their credit.

  • Financing up to 72 months
  • Loan amounts up to $25,000
  • Rates as low as 11.49% APR
  • Get pre-approved before you shop
  • Protection plans available to cover you in case of loss, accidents or breakdowns
  • Skip the dealerships and shop stress-free when you buy from Autoland or Enterprise

To Qualify

  • No previous auto loan
  • 10% cash down payment or trade-in equity
  • 12 months of employment history, or in similar line of work
  • At least one credit line with 12 months of positive payment history


Rates & Fees

Smart Start Auto Loan
Effective Date: May 21, 2024
TermsAPR RangeEst. Payment/$1,000 borrowed1

Smart Start New & Used Auto

Up to 60 Months
(Dependent on amount financed)
11.49% $22.10
72 Months
(Dependent on amount financed)
11.99% $22.36

Auto Loan Fees
Early Payoff No Penalty for early payoff

The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The calculated results are intended for illustrative purposes only and accuracy is not guaranteed.

1 APR=Annual Percentage Rate. Best rate includes all available discounts including a .25% discount for automatic payment from an Arrowhead account. A Smart Start New vehicle ranging from 2023 to 2025 with less than 5,000 miles. A Smart Start Used vehicle ranges from 2004 to 2025 with more than 5,000 miles. Rates valid as of Subject to change without notice. Rates may vary based on individual's credit history and underwriting factors. Payment example: a 60 month loan at 11.49% APR would have monthly payments of $22.10 per $1,000 borrowed. For 72 month term, add .50% APR.


Go to main navigation
Side Menu
Close Search Results Window

Search Results