Don't let your credit score get in the way of owning your first car. Let Earthmover help you get there.

Earthmover wants to help first-time auto buyers get behind the wheel of a great car with better rates, despite not having a credit score.


  • No previous auto loans
  • No collections
  • No cosigner needed
  • No credit score

Vehicle restrictions:

  • Model year must be 7 years or newer
  • Under 100,000 miles

*Terms will vary depending on each individual's credit history. Rates are subject to change without notice.

Apply Now

Take a few minutes to fill out this application and we will be in contact.

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Indirect Dealers

Ask for Earthmover at the car dealership and the dealers in our network can process your loan right there.

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Check out our First-Auto Buyer rates:

Model year APR Estimated payment
2014 5.19% $189.58
2015 5.19% $189.58
2016 4.84% $187.98
2017 4.84% $187.98
2018 4.69% $187.30
2019 4.59% $186.84
2020-2021 4.54% $186.61

*Payments are based on a financed amount of $10,000, with a 60-month payment plan and no money down.

Dealer vs CU Financing

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Car Values

Want to know what your car or the car you want to buy is worth? Find out here!

Loan Payment Calculator

Play around with the numbers to get to the payment you can afford!