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New College Graduate Program

当你开始“成年”时，你需要的汽车贷款或信用卡!”

Apply for an Auto Loan Apply for a Credit Card

Or call 1-800-621-2105

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New College Graduate Program

转动流苏，在你的下一个阶段取得领先.

Congratulations! You’ve finished college and found a job! 你一定感到很自豪——也许对即将到来的开支有点不确定. 这就是为什么元素有新的大学毕业生计划到位. You can get an auto loan or credit card (or both!)来帮助你开始下一阶段的旅程. 如果你有任何问题，随时可以打电话给我们, because your financial wellness is our main focus.

KEY FEATURES

  • Designed just for young adults
  • Competitive rates
  • 灵活——同时申请汽车贷款和信用卡，或者只申请其中之一
  • No credit history is required
  • $200 cash bonus with credit card1

MAY BE A GOOD CHOICE IF

  • 你在过去的六个月里成为了一名大学毕业生
  • 您的信用记录有限或没有信用记录(但必须没有贬损信用记录)
  • 你目前有工作，可以提交正式文件显示你的入职日期

Questions?

我们经验丰富、乐于助人的会员服务团队随时准备为您提供支持!

1-800-621-2105

Live Chat

Chat Available Mon-Fri, 9 am-4:30 pm Eastern

COLLEGE GRADUATE AUTO LOAN

  • 带上新的轮子，享受优惠的价格和条款，以适应你的预算
  • Qualify for up to $25,000 with or without a cosigner
  • Competitive rates
  • Option to defer first payment up to 90 days

Apply for Auto Loan

 

Auto Loan Interest Rate  APR  Monthly Payment Loan Term (Months)
New & Used 2023+ 6.79% 7.17% $721.09 48
Used 2021-2022 6.94% 7.32% $723.21 48
Used 2019-2020 7.44% 7.82% $730.28 48
Used 2017-2018 8.19% 8.57% $740.96 48

税率自2024年5月1日起生效，如有变动，恕不另行通知. 每个人的年度百分比利率(APR)由element的承保标准决定. 并不是所有的申请人都有资格获得显示的最低费率. 225美元的文件费适用于所有预订的汽车贷款申请. APR calculation and example monthly payments in Auto Loan rate table 贷款金额为30,000美元，FICO评分为730或更高，期限为48个月. Rate includes 0.从Elements支票账户预授权转账可减免25%. 如果停止预授权转让，费率降低可能会增加. Additional conditions may apply. Subject to credit approval. 所显示的付款不包括税金或保险费. Please call for vehicle models 2016 and prior.

ELEMENTS PLATINUM VISA®

  • Our lowest rate and no late fees2
  • 有或没有代销商，都有资格获得高达1,500美元的可用信用额度
  • 信用额度可根据信用等级提高
  • $200 Cash Bonus1

Apply for a Platinum Visa

 

Platinum Visa Purchases & Balance Transfers
Introductory APR for 6 Months  0%
Variable APR after 6-Month Intro Period  14.24%
Balance Transfer Fee  0%

白金签证介绍性年利率(APR)有效期为6个月. 要素金融贷款不符合支付入门余额转账优惠. Subject to credit approval. Additional limitations, terms, and conditions apply. After introductory 在此期间，您的采购和余额转账的标准可变年利率将是14.24% for Platinum Visa. Rate effective May 1, 2024, 并将根据《利记》公布的最优惠利率随市场而变化. 元素保留在任何时候修改或停止提供的权利. Terms & Conditions.

How does an Auto Loan work?

A young man sitting behind the wheel of a car.

We will loan you the money for a new or used vehicle, 你将在一段时间内连本带利地偿还. 无论你是从经销商、汽车修理厂还是个人那里买车，都没有关系.

It’s good to plan ahead by getting preapproved for your Auto Loan. 这样你就可以更好地了解你应该购买的价格范围. 获得预先批准也会给你与卖家讨价还价的优势.

Elements可以为你的汽车提供高达价值120%的贷款，包括税收和执照. 不过，先付至少20%的定金是个好主意. 当然，你预付的钱越多，你每月的还款额就越低.

We understand car shopping can be a bit overwhelming. Never fear! We have partnerships that can make the process easier for you.

Get Preapproved Learn More about Auto Loans

Elements白金Visa®有何优势?

Woman in the produce department looking at her phone.

The Platinum Visa has our lowest interest rate, 只要刷卡，你就能得到200美元的现金奖励.1 This credit card also has no late payment fees, no international transaction fees, no balance transfer fees, and no annual fee.2 这意味着你可以在任何接受Visa的地方使用该卡，并且不会产生任何意想不到的费用.

Platinum Visa features a 0% 购买和结余转账的6个月优惠期年利率. 在介绍期之后，有一个可变的年百分比利率 14.24%.

“元素白金卡”持卡人在使用该卡时还可享受以下优惠:

  • Chip card technology
  • Fraud alerts
  • Transaction alerts
  • Auto rental collision damage waiver
  • Cardholder inquiry service
  • Emergency card replacement
  • Emergency cash disbursement
  • Lost or stolen card reporting
  • Purchase security 
  • Zero Liability policy
  • Roadside dispatch
  • Travel and emergency assistance services
  • Travel accident insurance (covering up to $100,000)

Apply Now

How do I apply?

A screenshot of our online application.

3 Easy Steps to Apply

  1. Apply online - You can apply online in as little as 15 minutes! Submit your application online for an auto loan and/or the Platinum Visa credit card anytime or call 1-800-621-2105 to get started. 准备好你的政府签发的身份证(驾驶执照，州身份证或护照)和 proof of residence.
  2. Take our call - 我们将在您提交申请后的一个工作日内与您联系，查看我们需要哪些文件并回答您的问题. If you’re applying for the auto loan, we’ll ask for your vehicle’s value, make, model, year, mileage, and VIN if not provided on the application.
  3. That’s it! - We'll contact you with a decision within one business day. Once your application is approved, 我们将与您联系并签署文件，您的贷款或信用卡将准备好使用!

Apply Now

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  1. 1 Credit Card Related $200 Cash Bonus Value Offer -要求至少10次卡购买交易，合计至少净$1,在信用卡批准后的90天内，将一次性获得200美元的对账单信用. 对账单信用不会减少你的月供. If the account is closed within six months, 届时，我们保留将对账单贷方的金额重新计入您的账户余额的权利. Secured Credit Card excluded. 现有或以前的element信用卡持有人不符合资格.  /报价须经信贷审批，并可能须课税. 元素保留在任何时候修改或停止提供的权利. Additional terms and conditions may apply. 请在达到资格要求后的4-6周内收到对帐单. 产品优惠不能与同一产品的其他促销优惠结合使用. One offer per household.
  2. 2 Visa信用卡交易费用-信用卡余额转账: None. Credit Card Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00. Credit Card Foreign Transaction: 1% of each Foreign Transaction in U.S. dollars.