Auto Loans, Personal Loans, and Credit Cards that don’t require a cosigner!
Undoubtedly, buying your first vehicle is a major life milestone; however, finding a first-time car buyer loan that doesn’t require a co-signer can frequently be a significant challenge for many. In light of this, at F3 Credit Union, our Kickstart Lending program is designed specifically to provide new borrower auto financing that helps you build credit while simultaneously getting you behind the wheel. Moreover, whether you are a young professional or a student just starting your journey, we offer a clear path to ownership rather than the traditional hurdles typically associated with a thin credit history. Consequently, you can begin your financial journey with total confidence because we prioritize your independence. In addition, this program ensures you aren’t just getting a car, but instead you are establishing a foundation for your future.
First Set of Wheels? “Your Ride Your Rules”
- 🏁 Rates as low as 3.74%*
- up to $30,000
- Cruise your way to better credit.
- Got a car already?
- Switch gears 🔄—refinance with us and save big!
Apply Today!
Open Your KickStart Account Today. Get Started Now.
*Rate includes ¼% Secure Checking account discount
First Credit Card? “Swipe Smarter”
Ready to establish credit? No Cosigner Needed!
- 💸 2% cash back on everything you buy
- 💳 $1,000 limit to get you started
- 🔥 Rates as low as 8.99% (fixed)
- 🙌 No fees – No annual fee, cash advance fee, balance transfer fee, hidden charges, or penalty *APR for late payments.
Build your credit, Get rewarded.
Apply Today for your Kickstart Visa Card! Complete and submit your application today.
Apply Today!
See Where Your Wheels Take You, Get Started.
First Personal Loan?
“Fast Funds”
Got an expense coming up? We’ve got your back.
- 💻 Need a new laptop?
- 🌴 Planning that epic getaway?
- 💳 Tackling credit card debt?
- 💰 $1,000 limit is just the ticket!
- 🔑 Rates as low as 6.99%
Already got a loan? – Refinance with us, keep more cash!
Apply Today!
Open Your KickStart Personal Loan Today.
Get Started Now.
Bonus! Our Secure Checking Account Offers Many Perks
- Additional 0.25% rate discount on
auto or personal loans - Free Debit MasterCard
- Interest-earning
- No minimum balance requirement.
- Cell Phone Protection in case of damage or theft
- First set of checks are free
- Rate discounts* on selected loans with an active checking account
- IDProtect® 24/7 Identity Theft Protection Services
- You get all these benefits plus more for only $4.95 per month.
Apply Today!
Open Your KickStart Account Today. Complete and submit your application today..
Open Your Kickstart Account Today.
In order to join or open a KickStart account, simply complete and send in the Membership Application. In addition, if you have further questions or require more information, you can conveniently give us a call at 800.696.6009. Alternatively, you are always welcome to stop by one of our local branch locations to speak with us in person. Furthermore, by taking this first step today, you are effectively securing a first-time car buyer loan that works for your unique situation. Ultimately, our goal is to support your financial growth while providing the independence you deserve.
Download the F3CU App
Manage your money better with our mobile banking app.
Download our banking app and manage your account, at home or on the go.
