Car Financing for First Time Buyers

Apply for an Auto Loan

If you have not had an installment loan of any kind, or do not have a credit score, Bethpage can still help you get the loan you need - so you can get the car you want!

Our First Time Buyer Auto Loan offers:

  • Maximum loan amount of $15,000 for those applicants with no prior credit score;
  • Maximum loan amount of $20,000 for applicants with a credit score but no prior history of an installment loan (students loans excluded).
  • Up to 80% of MSRP on new cars or pre-owned vehicles (2 - 7 model years old).
  • Flexible terms fit your budget; Maximum term of 72 months.

When applying, you must provide:

  • Two references with full names, phone numbers and addresses.
  • Proof of income (pay stubs and W2s)
  • Proof of employment for a minimum of at least 1 year.

With rates that beat the banks and our 24/7 online application (remember to choose Auto First Time Buyer in the drop down menu) as well as friendly, personal service, you'll love borrowing and banking at Bethpage.