first-time auto buyer program
Buy your first vehicle with guidance from the experts at Reliant, even with no credit or limited history.
get a great rate that fits your budget
starting as low as 4.84% APR.*
let's get you behind the wheel
built for buyers just getting started
We know that buying your first vehicle is a big milestone. We also know that without established credit, getting an auto loan can feel out of reach.
That’s why we created our First-Time Auto Buyer Program: to guide you through the process and empower you to car shop with confidence.
1. Get Pre‑Approved
We know that your credit score or lack of credit history doesn’t tell the whole
story. That’s why we look at multiple factors beyond credit to get a more complete
picture of your financial situation. See the requirements below.
2. Choose the Vehicle That Fits Your Life
Pre‑approval helps you shop with confidence, so you can focus on vehicles that fit
your lifestyle and your budget.
3. Purchase Without Stress
Clear terms. Clear expectations. No last‑minute surprises.
4. Start Building Real Credit
Enjoy affordable payments while building the credit history that supports your
financial future.
Eligibility Requirments
The following requirements must be met to qualify for the first-time auto buyer program:
Must be at least 18 years old.
Residency: Must have lived at your current residence for at least 12 months.
Employment: At least 12 months of full‑time, year‑round employment with income verification.
Down Payment: Minimum down payment of $1,000.
Vehicle Requirements: The vehicle must be titled and registered in the applicant’s name.
Have any questions? Feel free to contact us.
Don’t meet the requirements? We have other loan options available!
ready to get started?
Take the next step toward your first vehicle by getting pre-approved. It takes just minutes to apply.
Disclosures
*Annual Percentage Rate (APR) applies to automatic payment for model years 2025 and newer with 36 monthly payments of $29.90 per $1,000 borrowed as of 5/1/2026. Your vehicle loan rate will be determined by your credit score, model year of vehicle, term of loan, and payment method. Other great rates and terms available. 100% financing of MSRP/NADA retail loan value plus the cost of sales tax and service contract available. All loans subject to approval and must meet credit-granting terms and conditions.
