First Time Auto Buyer - NET Credit Union
(570) 961-5300

First Time Auto Buyer

Buying an automobile is a big commitment and the process may seem overwhelming. Our experienced, member-focused auto lenders are here to help you every step of the way. At NET Credit Union, we are committed to making the auto loan process as stress free as possible for all borrowers. Our goal is to provide the highest level of service at competitive rates. Speak to a NET auto lender about the type of auto loan that best fits your needs.

Our “First Time Auto Buyer Program” may be able to help, even if you don’t qualify with another financial or lending institution. 

Do You Qualify?


  • NET account must be in good standing

  • No previously financed auto loans or auto lease

  • Minimum of 6 months continuous income. Less than 9 months of consecutive income would require a qualified Co-signer

  • Minimum monthly income of $1500

  • DTI not greater than 40%.

  • Minimum of 10% down payment of purchase price will be required for members with no credit history or have a credit score below 639.

  • Members with a credit score of 640 or greater are eligible to apply for up to 100% NADA Retail Value.

  • Vehicles 7 years old and greater do not qualify.

* All loans subject to approval. Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualificiations.