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Smart Start Auto Loans

First Car Purchases Can Be Intimidating, We Can Help

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Smart Start Auto Loan Program

Younger Members or Members who have never financed a vehicle may qualify for the Smart Start Auto Loan Program! This program is designed to help our members who have little to no credit qualify for an Auto Loan with the possibility of no co-signer.

How to Qualify:

  • Maximum loan amount is $8,000
  • There cannot be any derogatory (or negative) information on your credit report
  • Must be a member of Circle Federal Credit Union for at least 2 years with an active account
  • Demonstrate ability to save
  • Must have sufficient income to qualify for the loan
  • Must have 20% down

*Salvaged Titles do NOT qualify for this Program

  • The interest rate for this loan is 8%
  • GAP and Warranty may be added to this loan type & will not be part of the down payment

For more information, contact us today at 269-684-6005 (Niles), 269-445-1951 (Cass), 269-414-4327 (Edwardsburg).


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