For over 60 years, Rogue has been a trusted source for many people in Southern Oregon to get into the new or used auto they have always dreamed of. We understand how exciting the car buying process is, and that’s why we’re committed to providing exceptional service through low rates and a quick application process.
- Low, fixed interest rates
- Rate discounts for automatic payments, fuel-efficient vehicles, or even being a loyal member
- Application and underwriting process is quick and easy, to get you on the road faster
- Pre-approval options give you the ability to shop around with peace of mind
- No pre-payment penalties
First Time Buyer Program
Our First Time Buyer program is designed for applicants with a “0” credit score, or a borrower with a limited credit history.
- A minimum job time of one year at the same employer, with no gap in employment
- A current paystub to verify income and employment
- A minimum of 5% of the purchase price in cash or trade as a down payment
- Proof of insurance
- Mileage on the vehicle must be 100,000 miles or less
- Vehicle must not be more than 10 years old
- The vehicle value will be determined by MSRP, Kelley Blue Book, Retail Value or NADA retail
- 40% debt-to-income max. This is calculated from your monthly debt payments, including housing expense, as a ratio of your gross monthly base income