Qualifications: Twelve-months of employment at same job or six months if enrolled as part-time or full-time student. Graduates from college or trade school within the last six months also qualify. Credit and debt restrictions apply. No more than 110% loan to value. Loan amounts between $10,000 and $25,000 only, maximum loan term of 60 months. Vehicle must be 2009 model year or newer with fewer than 85,000 miles. Auto loan protection insurance required. GAP insurance required and provided at ANCEA Federal Credit Union’s cost.