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What is a first-time buyer program? Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make better financial decisions by providing you with interactive tools and financial calculators as well as publishing impartial and original content. We also allow you to conduct research and compare data for free to help you make financial decisions with confidence. Bankrate has agreements with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The products that are featured on this website are provided by companies who pay us. This compensation can affect the way and when products are featured on this website, for example for instance, the order in which they be displayed within the categories listed, except where prohibited by law for our mortgage, home equity, and other home loan products. However, this compensation will not influence the content we publish or the reviews that you read on this site. We do not include the universe of companies or financial offerings that could be open to you.



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2 minutes read. Published November 30, 2022.
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Written by Bankrate Written by

The article was created with the help of automation technology, and then edited and fact-checked by an editor on 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 passionate about helping readers gain the confidence to control their finances through providing concise, well-studied and well-researched content that break down complex topics into digestible chunks.







Reviewed by Mark Kantrowtiz Reviewed by Nationally acknowledged scholar financial aid specialist

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









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First-time buyer program is designed to aid car buyers without a previous credit record -- or those with a poor credit score -- get into their first vehicle. These programs usually have less stringent credit requirements than those that require a credit check, but acceptance isn't always 100% guaranteed. If you're looking into a first-time car buyer program, research vehicles prior to the time you create a budget and ask about the programs prior to applying. How do first-time buyer programs work? Although these programs are simpler to qualify for, acceptance is not assured -- it's not . If you do not be approved, you might have to consider alternatives like cosigners, secured credit cards and checking accounts. What are the prerequisites for a first-time vehicle buyer program? First-time car buyer programs vary by lender or manufacturer and which means that requirements may change. However, there are some basic requirements that remain consistent throughout all programs. For example, you'll almost always have to be more than 18 of age to get a loan in all states. Specific requirements for qualification will differ. It's likely you'll have to prove employment and income and verify basic personal information, like your birthdate as well as your Social Security number. What you're required to do be able to do this will depend on the particular program. There are also programs that have limitations, like only being applicable toward certain car models. You might also have to submit supporting documents when the program is intended for certain populations, like recent college grads. Are I able to be considered a first-time buyer if I'm not a recently graduated college student? There are a few exceptions to this rule. programs require that a buyer be in college or be a recent graduated. If you're looking for an initial car buyer program, check the site of the manufacturer or contact an agent. How can I apply for a first-time buyer program? First-time car buyer programs are available from car manufacturers and dealerships. Consider researching vehicles prior to purchase Consider researching the vehicle you'd like to buy. People who are first-time buyers may benefit from learning the to be as knowledgeable as they can. Create a budget: Create an budget that will allow you to save toward a large down cost. It's recommended you 20 percent when purchasing a brand new car and 10 percent for used. This will help you get the best deal on car and also get the best 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 price before purchasing a vehicle from a dealership. Ensure you meet credit requirements Certain first-time buyers programs require applicants to meet credit requirements. Check to see if you have a good enough credit history to be eligible for the program and that you can meet your repayment commitments. Take into consideration all possibilities There are a couple of other options when purchasing the vehicle, so be sure to consider all options before applying for a first-time car buyer program. Should I purchase a new or used? When it comes to buying your first car, an important decision to make is whether you should . Both have their benefits and disadvantages. A brand new car comes with minimal maintenance and a warranty and has an . However the used car with a significantly lower cost in general, however they could also have issues that are not obvious or lots of miles in the vehicle. In the end, it is beneficial to speak to the dealership about special first-time car buyer programs. It is also recommended to have at least three lenders. When choosing a first-time car buyer program, you should take into consideration the requirements of the program, such as the need to provide a the proof of graduation from college. You should also consider the guidelines to consider when buying an initial car including being open about your needs and being aware of what your score on credit is. We've restructured some phrasing in several sentences because they didn't separate themselves enough from the source material.


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Written by

The article was created using automation technology and thoroughly checked for accuracy and editing by an editor from our editorial staff.



Editor: Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate since late 2021. They are dedicated to helping their readers feel confident to manage their finances through providing clear, well-researched data that reduces complicated topics into bite-sized pieces.






Auto loans editor


Reviewed by Mark Kantrowtiz Reviewed by Nationally known expert on student financial aid

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






Nationally anerkannt student financial aid expert




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