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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!


Live Chat

Chat Available Mon-Fri, 8 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 rates1
  • Option to defer first payment up to 90 days
Auto Loan Interest Rate  APR  Monthly Payment Loan Term (Months)
New & Used 2017+ 4.34% 4.53% $557.11 60
New & Used 2015-2016 4.49% 4.68% $559.15 60
New & Used 2013-2014 4.99% 5.18% $566.00 60
New & Used 2011-2012 5.24% 5.43% $569.44 60

Rates effective October 16, 2018, 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 rates. A $140 processing fee applies to all Auto Loan applications. APR calculation and example monthly payments based on loan amount of $30,000, FICO® score of 740 or greater, and term of 60 months. Rate includes 0.25% deduction for automated payments from an Elements account. Additional conditions may apply. Subject to credit approval. Payments shown do not include taxes or insurance premiums. Please call for auto loan rate information for vehicle models 2009-2010.

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
Platinum Visa Purchases & Balance Transfers
Introductory APR for 6 Months  0%
Variable APR after 6-Month Intro Period  10.99%
Balance Transfer Fee  0%

Platinum Visa introductory rate good for six months. 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 10.99% for Platinum Visa. Rate effective October 4, 2018, and will vary with the market based on the Prime Rate as published in The Wall Street Journal.  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!