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First Time Car Buyer
 

You're ready to go!
Getting that first car is a major milestone and we want to help you. Whether it's new or used, it's going to be your first. We can help you finance the purchase. With Sb1 you'll have access to competitive rates without having to pay as many fees that most other financial institutions charge.

Apply today one of three ways:


To save time, you can apply for your Auto Loan online now:
Apply now >>

 

Download and print a fillable PDF auto loan application now >>

Or, speak directly with one of our loan representatives.
Call 800.806.9465 and dial option 4.  Loan Representatives are available each weekday between 8:30 AM and 5:00 PM Eastern Standard Time.


We've listed some points of advice here for you to read before you go shopping around for your first car.



 Auto Financing Tips
 Can I borrow money?
 How much should I pay for a car?
 Should I lease or buy a new car?
 What about dealer financing?
 The criteria for credit -- the three Cs
 What are maintenance costs?
 What is credit?
 Why is credit important?
 What is the interest cost of credit?

Check our most recent Auto Loan rates:

Consumer Loans
Vehicle Loans APR* (As low as) Maximum Term
New Auto 5.99% 60 months
New Auto 5.99% 72 months ($20,000 minimum)
Used Auto 6.49% 60 months
Classic Auto 7.49% 60 months
New Motorcycle 6.99% 60 months
Used Motorcycle 7.49% 60 months
New Boat/Watercraft 6.99% 60 months
Used Boat/Watercraft 7.49% 60 months
New Motor Home/RV 6.99% 60 months
New Motor Home/RV 7.99% 84 months
Used Motor Home/RV 7.49% 60 months
Used Motor Home/RV 8.49% 84 months
Unsecured Loans APR* Maximum Term
Student Loans Guaranteed by PA Higher Education Assistance Agency (PHEAA) Rates set by the government
Signature As low as 13.00% 60 months
Computer As low as 8.15% 36 months
Share Secured Share Rate +3% 120 months
Certificate Secured Certificate Rate +3% 120 months
QuickCA$H Line-of-Credit 12.25%
VISA Platinum Card 11.88% fixed
VISA Gold Card 12.96% fixed
VISA Classic Card 14.88% fixed
VISA Secured Card 17.90% fixed ($25 Annual Fee)
Rates are effective as of 9/1/2010 and subject to change without notice.

*APR = Annual Percentage Rate.

Sb1 has a tiered loan rate policy which applies different loan rates to borrowers based upon the borrower's credit history. Rates subject to change at any time.