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First-Time Auto Buyer Program


Ready to buy your first car? If so, we can help! This loan is designed for those who have limited credit and are ready to purchase their first car. This loan comes with low rates, manageable terms and is a great way to establish a credit history. Make your first 3 payments on time and receive a Visa Platinum Credit Card with $1,000 limit!


Criteria for First Time Auto Buyer Program:


  • Must have Minimum Credit Score of 640
  • Must be 18 years or older
  • Cannot have any derogatory accounts, no previous auto credit
  • Max total loan amount $20k including any MBI, GAP or Insurance
  • 100% LTV max including add on products
  • Must have job history or one year minum with a minimum of $1500 per month income
  • Maximum of 45 days to 1st Payment
  • Other Requirements may be necessary*


A Tampa Bay Federal Associate can easily take you through the First Time Auto Buyer Process and even assist in finding the right car! To get started login into Online Banking and choose Apply Now, call  813.247.4414 ext. 7605,  or visit a branch.




*Other requirements include: Proof of all income, Payments via direct deposit or auto transfer, Maximum terms 60 months, rate over 1%  qualifying tier.


todays rates text2


as low as

3.25%* APR