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New College Graduate Program

The auto loan or credit card you need as you start “adulting!”

Apply Online

Or call 1-800-621-2105

New College Graduate Program


  • Designed with young adults in mind
  • Perfect if you have limited or no credit history
  • Flexible—get both the auto loan and credit card or just one of them


  • Offered to those who’ve become college graduates within the last six months
  • Applicants must be employed and submit official documentation showing start date
  • There must be no derogatory credit on file


Our experienced, helpful member service team is ready to support you!


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Chat Available Mon-Fri, 9 am-5 pm Eastern

College Graduate Auto Loan

  • Qualify for up to $25,000 on an Auto Loan with or without a co-signer
  • Competitive rates
  • Option to defer first payment up to 90 days
Auto Loan Interest Rate  APR  Monthly Payment Loan Term (Months)
New & Used 2019 + 3.99% 4.18% $555.10 60
Used 2017-2018 4.34% 4.53% $559.76 60
Used 2015-2016 4.49% 4.68% $561.81 60
Used 2013-2014 4.99% 5.18% $568.69 60

*Rates effective September 1, 2020, subject to change without notice. Each individual’s Annual Percentage Rate (APR) is determined by the applicant’s credit history. Not all applicants will qualify for the displayed lowest rate. A $140 processing free applies to all auto loan applications. APR calculation and example monthly payments based on loan amount of $30,000, FICO® score of 730 or greater, and term of 60 months. Rate includes 0.25% dedication for automated payment from an Elements checking account. Additional conditions may apply. Subject to credit approval. Payments shown do not include taxes or insurance premiums. Please call for vehicle models 2011-2012.

Elements Platinum Rewards Visa® Credit Card

  • Qualify for up to $1,500 available credit limit on an Elements Platinum Visa® Credit Card with or without a co-signer
  • Credit limit could be higher based upon credit rating
  • $200 Cash Bonus1
Platinum Visa Purchases & Balance Transfers
Introductory APR for 6 Months  0%
Variable APR after 6-Month Intro Period  8.99%
Balance Transfer Fee  0%

Platinum Visa introductory rate good for six months. APR stands for Annual Percentage Rate. Elements Financial loans are not eligible for payoff with introductory balance transfer offers. Subject to credit approval. Additional limitations, terms, and conditions apply. After promotional period your Standard variable APR for Purchases and Balance Transfers will be 8.99% for Platinum Visa. Rate effective April 6, 2020, and will vary with the market based on the Prime Rate as published in The Wall Street Journal. Elements reserves the right to amend or discontinue offers at any time. Terms & Conditions.

Online and Mobile Banking


Easily manage your loan and credit card activity under one login with Online Banking and the Elements Mobile App! Enjoy the same interface on your smartphone, tablet, laptop, and desktop while continuing with the security, features, and conveniences you've come to expect from Elements. Our goal with online banking is simple — to provide you with a state-of-the-art digital banking experience that you can count on and is consistent cross all your devices.

How to Get Started


You can apply online in as little as 10 minutes by selecting both the vehicle loan and Visa credit card products on the second page of the application. Or call 1-800-621-2105 to get started.

What you’ll need to apply:

  • Your government-issued ID (driver’s license, state ID or passport)
  • Social Security number

What to expect during the application process:

  1. We’ll contact you within 1 business day after you submit your application to review documentation that we’ll need from you and answer questions you may have.
  2. We’ll contact you with a decision within 10 business days.
  3. That’s it – your Elements Auto Loan and Visa Credit Card are now ready to use!
  1. 1 Credit Card Related $200 Cash Bonus Value Offer — requiring at least 10 card purchase transactions totaling at least net $1,000 within 90 days of card approval — will be fulfilled as a one-time $200 statement credit. Statement credit will not reduce your monthly payment. If the account is closed within six months, we reserve the right to add the amount of the statement credit back to your account balance at that time. Secured Credit Card excluded. Existing or previous Elements credit cardholders not eligible.  /  Offer subject to credit approval and may be taxable. Elements reserves the right to amend or discontinue offers at any time. Additional terms and conditions may apply. Please allow 4-6 weeks after qualifications are met for receipt of a statement credit. Product offers cannot be combined with other promotional offers for the same product. One offer per household.