Build Credit. Buy Smart. Move Forward.
Whether you’re just starting your financial path or rebuilding from scratch, this program is designed to help you step into vehicle ownership — and into a stronger credit future — with confidence.
Why This Program Is For You
You’re working hard. You’re building your life. But traditional financing might still feel out of reach. That’s where we come in. We offer real solutions for real people — no cosigner, minimal or no credit history, and a flexible, supportive path to ownership.
What You’ll Get:
- Flexible Approval: No credit or minimal credit? No problem. We focus on your current financial habits, not your past.
- Affordable Down Payments: As low as $500 with minimal credit, or $1,000 if you’re just getting started.
- Simple Requirements:
- 6–12 months of work history
- Payment-to-income ratio of just 10–15%
- Vehicle age up to 10 years
- Direct deposit and checking account with RVCU
- Auto Payment Rebate: Get rewarded for good habits when you set up automatic payments.
Let’s Build Your Credit — Together
Credit shouldn’t be a barrier. It should be a bridge. At RVCU, we’re here to help you take that first step — and every one after. With this financing option, you’re not just buying a car — you’re investing in your future.