First-Time Car Buyers: Get Approved With No Credit History
Everyone has to start somewhere. If you have never had a car loan or credit card, lenders see a blank file, and many dealers simply say no. Days Auto Sales works with lenders that have first-time buyer programs designed for exactly this situation.
We keep it simple: we explain how auto financing works, what affects your payment, and how your first loan builds credit so your next purchase costs less.
- No credit history needed
- Students, new workers and recent arrivals welcome
- Co-signer optional, not required
- Clear explanation of payment, rate and term
- Reliable, budget-friendly vehicle options
- Builds credit with every on-time payment
Your first car, step by step
- Set a budget you are comfortable with; we help with the math.
- Apply online in about 5 minutes.
- We match you with first-time buyer lenders and review the offers with you.
- Pick a dependable vehicle and drive home.
What to bring
- Driver's license
- Proof of income (pay stubs or bank statements)
- Proof of residence
- Proof of insurance, or we can help you get a quote
Start My Application · (909) 544-7587 · Browse inventory
Frequently asked questions
Can I buy a car with no credit history?
Yes. First-time buyer programs look at your income and job stability instead of past credit. Steady income is the most important factor.
Do first-time buyers need a co-signer?
Not always. A co-signer can improve your rate, but many of our first-time buyers are approved on their own.
How much car can I afford as a first-time buyer?
A common guideline is keeping your car payment plus insurance under about 15 to 20 percent of your take-home pay. We will show you options that fit your budget.