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What is a first-time buyer program? Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our aim is to assist you make better financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content. This allows you to conduct research and compare data for free to help you make financial decisions with confidence. Bankrate has partnerships with issuers including, but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The deals that are advertised on this site are from companies who pay us. This compensation may impact how and when products are featured on this site, including for instance, the order in which they may be listed within the categories of listing, except where prohibited by law. This applies to our mortgage, home equity, and other home loan products. But this compensation does not influence the information we provide, or the reviews you read on this site. We do not contain the entire universe of businesses or financial offerings that could be accessible to you.



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2 minutes read. Published November 30, 2022
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Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since late 2021. They are passionate about helping readers gain confidence to manage their finances with precise, well-studied information that breaks down complicated subjects into bite-sized pieces.







Review by Mark Kantrowtziz. Reviewed by Nationally acknowledged Student Financial Aid expert

Mark Kantrowitz is an expert on student financial aid including the FAFSA as well as scholarships, 529 plans as well as tax benefits for education and student loans.









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First-time buyer programmes are intended to help those with no previous credit record -- or people with a weak credit score -- obtain their first car. They typically have less stringent credit requirements than , but approval is not guaranteed. If you're interested in a first-time car buyer program, research vehicles in advance, create an outline of your budget, and inquire about any prior to applying. How do first-time car buyer programs function? Although first-time car buyer programs are easier to get approved for, acceptance is not guaranteed -- it is . If you don't be approved, you might need to look into alternatives such as cosigners secure credit cards and checking accounts. What are the criteria for a first-time vehicle buyer program? First-time car buyer programs vary depending on lender or manufacturer and which means that requirements may change. However there are some fundamental guidelines that are the same for all programs. For example, you'll almost always require at least 18 years of age to get a loan in the majority of states. Specific requirements for eligibility will vary. You will likely require proof of earnings and employment, as well as basic personal details, like your birth date and Social Security number. What you're required to do be able to do this will depend on the particular program. The programs also may have limitations, like only applicable to specific car models. It is also possible to provide supporting documentation in the event that the program is designed for certain populations, like recent college grads. Are I able to qualify as a first-time car buyer if I'm not a recently graduated college student? Some first-time buyer programs require buyers to be in college or be a recent graduate. If you're looking for a first-time car buyer program, look at the manufacturer's site or ask an agent. What is the procedure to apply for a first-time car buyer program? First-time buyer programs are offered by dealerships and manufacturers of cars. Consider researching vehicles prior to purchase Consider researching the vehicle you'd like to purchase. First-time buyers can also benefit from knowing how to be as informed as possible. Create a budget: Create an budget that will allow you to save for an enormous down cost. It is recommended to save 20 percent when purchasing a brand new vehicle and 10 percent for used. This will ensure you find the most affordable price on an automobile and also the most favorable interest rate. Be sure to inquire about any additional charges: It's always an excellent idea to inquire about any additional fees and negotiate the purchase cost when purchasing an automobile from a dealer. Make sure you meet the credit requirements: Some first-time car buyer programs require applicants to meet certain credit criteria. Ensure that you have a strong enough credit history to be eligible for the program and that you can meet the repayment obligations. Be aware of all possible options There are a couple of other options when purchasing an automobile, so think about all options before applying for a first-time buyers program. Do I want to buy a brand new car or used? When it comes to buying your first vehicle, the most important factor to consider is whether to . Both have advantages and disadvantages. A brand new car comes with minimal maintenance and a warranty and has a . However, used cars with an incredibly lower price in general, however they could also be prone to hidden problems or have lots of miles in them. The bottom line is that it's important to inquire with the dealer about special first-time car buyer programs. You should also with the minimum of three banks. If you are choosing a first-time buyer program, be aware of the conditions for the particular program such as the need to provide a evidence of your college degree. It is also important to consider the tips to consider when buying an initial car such as being upfront about your requirements and being aware of the credit scores of your. We've restructured some phrasing in a handful of sentences, in case they weren't able to separate their content from the source material.


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Written by

This article was written with the help of automation technology, and then edited and fact-checked by an editor from our editorial staff.



The edit was done by Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate since late 2021. They are committed to helping readers gain the confidence to control their finances with concise, well-researched and well-structured information that breaks down complicated topics into bite-sized pieces.






Auto loans editor


Review by Mark Kantrowtziz. Reviewed by Nationally acknowledged expert in student financial aid

Mark Kantrowitz is an expert on student financial aid, the FAFSA and scholarships, 529 plans as well as tax benefits for education and student loans.






Nationally recognized student financial aid expert




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