Credit Builder Auto Loans

Young people enjoying the time together taking group picture affront of their new car from Northern Colorado Credit Union Credit Builder Auto Loan

Earn 50% of your interest back at the end of your Credit Builder Auto Loan!*

That’s right! When you complete the payments on your Credit Builder Auto Loan with on-time payments over the life of the loan, we’ll reimburse you for 50% of the interest you paid. If you live or work in Weld or Larimer County and are a first-time auto buyer, you are eligible to apply! You will need to establish direct deposit to your account.


  • Co-Borrower NOT required
  • No previous auto loans
  • Max loan $15,000
  • Must have 100,000 miles or less on the vehicle
  • No salvage or branded titles
  • Minimum 6 months employment with most recent employer OR 18 months employment history with no more than 3 employers
  • Must provide 30 days of pay stubs
  • Must set up Direct Deposit
  • Max term 66 months
  • Max Loan-to-Value (LTV) 85%
  • AFT required

*See Employee for Terms. All memberships and loans are subject to approval, standard rates and underwriting guidelines apply. Open to anyone that works or lives in Larimer or Weld County.