Vehicle Loan Center

Are You Ready to Buy Your First Car? If So, Justice Federal Can Help!

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Buying a car is one of the most important financial decisions you'll ever make. That decision gets even bigger when you've never done it before. Our goal is to get you into the vehicle – and finance option-that's right for you.

Don't panic, even if you have no previous vehicle buying experience, our First-Time Auto Buyer Program can give you the opportunity to enjoy a vehicle of your own. If you have little, to no credit, and are ready to embark on the purchase of your first car, we offer low rates, manageable terms, and an excellent means to establish your credit history.

Planning is important to prevent surprises when you buy your first car. To make an informed decision, it helps to do a little homework:

1. Make a list of your vehicle needs and wants
2. Figure out a price range that fits your budget
3. Learn about vehicle financing
4. Get pre-approved

Get pre-approved for your auto loan and save time! With a pre-approved auto loan, you’ll know how much you qualify for, before you visit the dealership and be able to shop with a check in hand. In addition, you will eliminate the expense and pressure of dealer financing.

Virtual Notary, now available.

Please note, to apply for your first auto loan, you must be a Justice Federal Member or eligible for Membership.

Apply Today!

Not a Member? A one-time deposit of $5 is required in a Share Savings account. Apply Online, visit your nearest branch, or call us at 800.550.5328 to join today.

Already a member? Apply online or call us at 800.550.5328.

Must be 18 years of age
Must have independent means of repaying the auto loan or a qualified co-signer
Proof of auto insurance required
Minimum loan amount $2,500
Rates as low as 2.44% APR* up to 24 months** 

Buy your first car! Apply today. With a pre-approval, you can shop with a check in-hand.


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Call Us 800.550.5328

Important Legal Disclaimers and Information

*APR = Annual Percentage Rate. Rate as of November 1, 2020 and subject to change without notice. Annual percentage rate may be higher based on past and present credit performance. Actual APR will be determined when you apply and will be based on factors including credit history, amount financed and the term of your loan.

**Down payment may be required based on creditworthiness. 100-115% financing not available to all applicants.

***Interest will continue to accrue.

124 monthly payments of $42.73 per $1,000 borrowed. Other rates and terms available.

See Representative for details.