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Explore Wescom’s First-Time Borrower Loan Options and Benefits
If you're new to borrowing, Wescom’s First-Time Borrower Program is designed to help our members take their first step with confidence.
- Competitive low rates to keep your payments affordable
- No credit history required — perfect for first-time borrowers
- Build your credit score with every on-time payment
Join a trusted credit union that’s committed to helping you succeed. Your journey to a stronger credit score starts here.
First Time Credit Card Options to Fit Your Needs
We offer two credit-building solutions tailored to your needs — whether you're starting from scratch or working to recover from past credit challenges.
Benefits Include:
- No deposit required
- Competitive rate
- Build your credit score with every on-time payment
- Designed for first-time borrowers looking to establish a strong financial foundation
First-Time Auto Loan
Wescom Helps You Get Your First Car
- Loan terms up to 72 months1
- Loan amounts up to $25,000
- 90-day payment deferral2 — make your first payment after three months
- Earn a 0.50% APR discount3 for every six months of consecutive, on-time payments
- Up to a maximum 2.00% APR discount
- Generous loan-to-value (LTV) ratio of up to 110%
- Helps build your credit score with responsible repayment
First-Time Home Buyer
Make the Move into Your First Home
Wescom offers a range of mortgage loan solutions designed to support first-time home buyers.
- Multiple mortgage loan options tailored for first-time home buyers
- High loan-to-value (LTV) solutions to help you borrow more
- Opportunity to build your credit score while securing your first home
- Fast prequalification process to help you understand your purchasing power
Qualified borrowers may be eligible for:
- No down payment or as little as a 3% down payment
- Up to 100% financing on your home purchase4
Take the first step toward homeownership with confidence — we're here to help you make it happen.
Down Payment Assistance for First-Time Home Buyers
Your dream of homeownership just got real — if you're a first-time home buyer in California, Wescom has flexible mortgage options designed to make your first home more affordable. Here’s how we can help:
- You may qualify for down payment assistance
- Options available with no down payment or as little as a 3% down payment, based on eligibility
- Straightforward requirements make it easier to get started
- Up to 100% financing available for qualified borrowers4
Get prequalified today and discover how Wescom can help you unlock your future and achieve your dream of homeownership.
Not a Wescom Financial Member?
NMLS #999430
All loans are subject to approval. Rates are subject to change without notice. Membership eligibility required. Terms and conditions apply. For rates, fees, and other cost information, visit wescom.org/credit-cards.
1 A $25,000 loan at 10.99% over 72 months is a monthly payment of $475.74. Rates vary depending on the individual’s credit history and underwriting factors.
2 The no payment for up to 90 days option is available for qualified borrowers. Finance charges begin to accrue immediately and are repaid over the life of the loan. Your first payment following the 90 days no payment option will be applied more towards the interest. This may delay the repayment of your principal. As a result, you may pay higher total finance charges on the loan than if repayments began earlier.
3 Total discount of up to 2.00% APR applied in increments of up to 0.50% for every six consecutive on-time monthly payments. Maximum discount will never cause the final APR to be lower than the floor rate for the specific loan and term at the time of funding. The monthly payment amount remains constant, with additional money going toward the principal, which shortens the term of the loan and the total amount paid over the life of the loan. Some restrictions may apply.
4 Regardless of the county's maximum loan limit.
5 All borrowers may not qualify for all loan programs. This does not constitute a commitment to lend. Loan approval is subject to income, credit, and property valuation. Other terms and conditions apply. Ask your Mortgage Loan Officer for details.