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新 College Graduate Program

The 汽车贷款 or credit card you need as you start “adulting!”

Apply 对于一个 汽车贷款 Apply for a 信用卡

或打电话 1-800-621-2105

新 College Graduate Program

Turn the tassel and get a headstart on your next stage.

祝贺你! You’ve finished college and found a job! You must feel so proud — and perhaps a little unsure about upcoming expenses. That’s why 元素 has the 新 College Graduate Program in place. You can get an 汽车贷款 or credit card (or both!) to help you get started in this next phase of your journey. We’re also just a phone call away any time you have questions, because your financial wellness is our main focus.


  • Designed just for young adults
  • 有竞争力的价格
  • Flexible—get both the 汽车贷款 and credit card or just 一个 of them
  • No credit history is required
  • $200 cash bonus with credit card1


  • You’ve become a college graduate within the last six months
  • You have limited or no credit history (but there must be no derogatory credit on file)
  • You are currently employed and can submit official documentation showing your start date


  • Get on the road with new wheels and great rates and terms to fit your budget
  • Qualify for up to $25,000 with or without a cosigner
  • 有竞争力的价格
  • Option to defer first payment up to 90 days



汽车贷款 感兴趣 率  4月  每月 付款 贷款期限 (个月)
新 & 使用2022 + 6.79% 7.03% $718.89 48
使用2020 - 2021 6.94% 7.18% $721.98 48
使用2018 - 2019 7.44% 7.68% $727.99 48
使用2016 - 2017 8.19% 8.43% $738.59 48

利率 effective December 1, 2023, subject to change without notice. Each individual’s Annual Percentage 率 (4月) is determined by 元素' underwriting criteria. Not all applicants will qualify for the displayed lowest rate. A $140 processing fee applies to all booked 汽车贷款 applications. 4月 calculation and example monthly payments in 汽车贷款 rate table based on loan amount of $30,000, FICO® score of 730 or greater, and term of 48 months. 费率包括0.25% reduction for Preauthorized Transfer from an 元素 checking account. 率 reduction is subject to increase if the Preauthorized Transfer is discontinued. Additional conditions may apply. Subject to credit approval. 支付 shown do not include taxes or insurance premiums. Please call for vehicle 模型s 2015 and prior.

利记app官网 refinances subject to $200 refinance fee.


  • Our lowest rate and no late fees2
  • Qualify for up to $1,500 available credit limit on with or without a cosigner
  • Credit limit could be higher based upon credit rating
  • $200现金奖励1

Apply for a 铂签证


铂签证 购买 & 资产转移
Introductory 4月 for 6 个月  0%
Variable 4月 after 6-Month Intro 期  14.24%
资产转移 费  0%

铂签证 Introductory 4月 (Annual Percentage 率) good for six months. 利记app官网 loans are not eligible for payoff with 介绍 balance transfer offers. Subject to credit approval. Additional limitations, terms, and conditions apply. 后 介绍 period your Standard variable 4月 for 购买 and 资产转移 will be 14.24% for 铂签证. 率 effective December 1, 2023, and will vary with the market based on the Prime 率 as published in The Wall Street Journal. 元素 reserves the right to amend or discontinue offers at any time. 条款 & 条件.

How does an 汽车贷款 work?

A young man sitting behind the wheel of a car.

We will loan you the m一个y for a new or used vehicle, and you will pay it back with interest over a specified period of time. It doesn’t matter if you buy your vehicle from a dealer, an auto lot, or an individual.

这很好 提前计划 getting preapproved 你的汽车贷款. That way you can have a better idea of what price range you should be shopping for. Being preapproved also gives you good negotiating power with the seller.

元素 can finance up to 120% of your car’s value, including tax and license. It’s a good idea, though, to put down at least 20% of the purchase price. Of course, the more you pay up front, the lower your monthly payment will be.

We understand car shopping can be a bit overwhelming. 不要害怕! 我们有 partnerships that can 使 the process easier for you.

得到预先批准 了解更多 about 汽车贷款s

What are the advantages of the 元素 铂签证®?

Woman in the produce department looking at her phone.

The 铂签证 has our lowest interest rate, and you get a $200 cash bonus just by using your card.1 This credit card also has no late payment fees, no international transaction fees, no balance transfer fees, 而且没有年费.2 That means you can use the card anywhere Visa is accepted with peace of mind that you won’t incur any unexpected fees.

铂签证 features a 0% 介绍 4月 for 6 months on purchases and balance transfers. 后 the 介绍 period, there is a variable annual percentage rate of 14.24%.

元素 铂签证 holders also enjoy the following features when using their card:

  • Chip card technology
  • 欺诈警报
  • 事务提醒
  • 汽车 rental collision damage waiver
  • Cardholder inquiry service
  • Emergency card replacement
  • Emergency cash disbursement
  • Lost or stolen card reporting
  • 购买安全 
  • Zero Liability policy
  • 路边的调度
  • Travel and emergency assistance services
  • Travel accident insurance (covering up to $100,000)



A screenshot of our online application.

3 Easy Steps to Apply

  1. 网上申请- You can apply online in as little as 15 minutes! Submit your application online 对于一个 汽车贷款 和/或 铂签证 credit card 随时来电 1-800-621-2105 开始吧. Have ready your government-issued ID (driver’s license, state ID, or passport) and 居住证明.
  2. 接我们的电话 We'll contact you within 一个 工作日 after you submit your application to go over what documentation we'll need and to answer your questions. If you’re applying for the 汽车贷款, we’ll ask for your vehicle’s value, 使, 模型, 一年, 里程, and VIN if not provided on the application.
  3. 就是这样! - We'll contact you with a decision within 一个 工作日. Once your application is approved, we’ll contact you to sign documents and your loan or credit card will be ready to use!


  1. 1 信用卡 Related $200现金奖励 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 一个-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 信用卡 excluded. Existing or previous 元素 credit cardholders not eligible.  /  Offer subject to credit approval and may be taxable. 元素 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.
  2. 2 Platinum and 现金奖励签证 信用卡 Transaction 费s — 信用卡 资产转移: 没有一个. 信用卡 Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00. 信用卡 Foreign Transaction: 1% of each Foreign Transaction in U.S. 美元.