Even with little or no credit history, you may qualify for an auto loan with Credit Builder. This integrated auto financing and purchase program will help you establish a positive credit history, without requiring a co-signer! College student or recent college grad? New to the United States? Recently divorced or widowed? If you're ready to build up your credit and you need a reliable set of wheels, let's talk Credit Builder.

Interest rate of 9.99% APR**, with financing provided by
Unitus Community Credit Union
** Rate offered by Unitus Community Credit Union as of 2/1/2010 and is subject to change without notice. Certain restrictions apply for program eligibility. Unitus Community Credit Union membership required and is open to anyone who lives or works in (Oregon State) Washington, Clackamas, Yamhill, Polk, Multnomah, Marion counties, and Clark (Washington State) county.

• No cosigner required
• Loan amounts up to $15,000
• Low down payment
• Get a dependable pre-owned car
• Interest rate of 9.99%*
• No credit history necessary

Good credit is good for your future. Good credit management builds a higher credit score, which reduces your interest rate which will save thousands of dollars when you're ready to finance a home or obtain a credit card. When you qualify for a Credit Builder auto loan, you'll be driving a quality, pre-owned vehicle that's right for you, and you'll be building your credit the smart way.

To learn more about the Smartway Advisors Credit Building program click on the informational video interview with President, Sheldon Harris and General Manager, Dave Daniels located on the Video Page.