Request no-credit and first-time buyer auto loan options

Little or no credit history? Ask about first-time buyer financing.

A thin file is common for first-time buyers, recent graduates, and people who have paid cash for years. Some dealers and lenders still review those requests when income and a down payment story are clear. Others want a longer credit history.

Ask through Start Auto Loan. We do not issue credit or assign a score. A participating partner can explain what they look for. Submitting a form does not approve a first car loan.

First-time buyer
Thin credit file
No credit history
Cosigner questions
Proof of income
Starter vehicles

startautoloan.com (the "Site") is not a lender, mortgage broker, bank, credit union, or dealership, and it is not a substitute for speaking with a finance manager or licensed lender. Any information displayed or provided on the Site is for personal use only. The Site offers no lending, insurance, financial, or legal advice, recommendations, or counseling in connection with any loan, under any circumstances, and nothing we do and no element of the Site or the Site's call connect functionality ("Call Service") should be construed as such.

Some of the dealers, lenders, and related service providers (collectively, "Third Party Finance Professionals") are accessible via the Call Service by virtue of their payment of a fee to promote their respective services to users of the Call Service and should be considered as advertising. This Site does not endorse or recommend any participating Third Party Finance Professionals. Your use of the Site or Call Service is not intended to create, and any information submitted to the Site and/or any electronic or other communication sent to the Site will not create a loan, credit decision, or borrower relationship between you and this Site or any of the Third Party Finance Professionals.

Start Auto Loan may receive compensation from participating dealers, lenders, and marketers. This compensation can influence which providers are shown and in what order. We do not list every lender or dealer in any state or loan type. You are never required to take a loan after a request. Submitting a form does not approve financing, pull your credit by itself, or guarantee a rate, payment, or contact time.