450 Credit Score as Low as 2.9% for 72 Months

Cars You Want.

Approvals You Need.

Dealerships waste your time. We don't. If you've got income, you're driving - period. Stop taking 'no' from sales people who don't know how to get deals done. We approve just about everyone and get you the exact car you want.

Cars You Want.

Approvals You Need.

Dealerships waste your time. We don’t. If you’ve got income, you’re driving — period. Stop taking ‘no’ from salespeople who don’t know how to get deals done. We approve everyone and get you the exact car you want.

Why Car First Home

We’re Not Like Other Dealers — We Actually Get You Driving.

All Credit Welcome

Bad credit, no credit, repos, bankruptcies — it doesn’t matter.

Access to Hundreds of Cars

Sedans, trucks, SUVs, luxury — if it exists, we can get it.

Fast Approvals

No more waiting weeks. We get approvals in hours.

No Dealer Games

No bait-and-switch, no sitting for 6 hours in a finance office.

How It Works

Apply Online

Don’t waste hours at dealerships just to get denied. Fill out our quick approval form or call us directly. We only ask for the information lenders actually care about — no games, no endless paperwork. In just a few minutes, we know exactly where you stand.

We Get You Approved

This is where we do what other dealers can’t. Whether you’ve got bad credit, no credit, repos, or even a bankruptcy, we have lender relationships that specialize in saying YES when banks say no. Our job is to position your file the right way so approval isn’t a maybe — it’s a done deal.

Pick Your Car

Forget walking a car lot hoping for something in your budget. You tell us exactly what you want — make, model, year, even color — and we’ll find it. Don’t know what fits your approval yet? We’ll match you with the best options based on your budget and approval so you get the most car for your money.

Drive Away

Once you choose your car, we handle everything: financing, negotiations, and paperwork. No sitting in a dealership for 6 hours. No bait and switch. We hand you the keys and you’re on the road — often the same day.

Services

Approvals for All Credit Situations

We don’t just work with lenders. We partner with banks and programs designed specifically for people with repos, bankruptcies, no credit, and everything in between. If you’ve been told no, this is where you finally hear yes.

Car Sourcing & Auto Brokerage

Why settle for what’s on a lot? Tell us exactly what you want — year, make, model, even trim — and we’ll go get it through our dealer network. SUVs, trucks, sedans, luxury cars — we’ll hunt it down and negotiate for you.

Flexible Financing Options

From first-time buyers to seasoned drivers, our financing is built around your budget. We secure approvals with low-down programs, extended terms, and monthly payments that actually work for you, not against you.

Fast-Track Delivery

Traditional dealerships keep you stuck for hours or even weeks. We cut out the nonsense. Once approved, we handle all the paperwork and financing behind the scenes so you’re behind the wheel in as little as 72 hours.

Long Term Benefits

Getting a car isn’t the finish line. Every loan we secure helps you rebuild and strengthen your credit profile so the next approval for a car, home, or credit line is even easier.