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Auto Loans for First Time Car Buyers

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Fast auto loan approval
No credit auto finance
Easy auto loan process
Flexible car loan terms
Lowest interest rates
Bad credit doesn't matter
Zero down payment loans
First time car buyers loan
Financing without cosigner
Subprime auto lenders
Bad credit dealerships
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First-Time Auto Loans for No Credit Borrowers
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Are you interested in getting low rates on your first car loan? ezAutoFinance.net gets you lowest rates on your auto loan. Fill the absolutely secure auto loan application form and get ready to buy your first car. Make your first car purchase memorable by getting the most affordable auto financing program!

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A first time car buyer can be anyone like a student, an individual who has zero credit, a person who has good credit but never bought a car, someone with bad credit score, etc. There are endless possibilities. It means there are several people who are going to be a first time car buyer. Sadly, most lenders shy away from approving loan applications of first time car buyers.

But, ezAutoFinance.net believes in equality. That is why; we offer first time car buyers loan. We understand the importance of a first car - used car or new car, and recognize the trouble that has to be undertaken before finally getting approval on a car loan. With the first time car buyers’ loan program, you get the opportunity of building your credit score to new heights. If you have bad credit, you can improve your credit score. If you are suffering because of zero credit score, you can avail instant approval on the loan and start building your credit score.

Criteria for Getting Approval on First Time Car Buyers Loan


Your job plays a major role in getting a first time car buyers loan. You can be employed part time or full time but, you will definitely need employment proof. You can show your recent pay stubs as a proof. If you are self-employed, you can use your tax statements as proof.

Lenders have simple logic when they ask you to have stable employment. If you have a regular job, you will be able to make timely payments. This will increase safety of lender’s investment.


Income and employment are very closely related. When you have stable job, you are able to earn a regular income. Most lenders require you to earn at least $1,800. The number changes according to the lender.

Income is an important criterion because you can make regular payments to the lender only when you earn enough. If your income is insufficient to pay your expenses, getting a first time car buyer loan is not a good idea.

Credit Rating

Your credit score determines your credit repaying ability. Lenders are able to know your financial history by taking a look at your credit report.

Now, it is always better to know your accurate credit score. Before applying for a first time auto buyer loan, you must check your credit report and remove all errors and mistakes. If you find any discrepancy in your credit report, you must inform to the respective credit bureau.

Higher the credit score, better it is. So, work on your credit score.

Down Payment

Down payment has a very significant relation with your car loan approval chances. When you make a substantial down payment, you reduce the auto loan amount. It increases lender’s trust and decreases his doubts and risks. Making a down payment of 10%-20% can significantly reduce your interest rates.


Cosigner is a person who guarantees the car loan by signing the auto loan agreement along with the primary borrower. Though cosigner is not compulsory, a cosigner adds significant weight to your first time buyer car loan application. You can actually avail higher amount of loans at lower rate of interest when you have a cosigner.

All these factors are important in getting first time car buyers loan. Being a first time car buyer, you have to convince the lender of being a low risk credit borrower. If you can do it, instant auto loan approval will very easy for you.

ezAutoFinance.net has online presence across the nation and offer competitive rates on auto loans. Apply now on highly secure website today and get access to our huge network of lenders and dealers.


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