Car loans for newcomers
Estimate your monthly payment in seconds: choose the price, down payment and term. ITIN or SSN, new to the US or rebuilding credit — we work with lenders who say yes more often.
This is an example estimate, not an offer from a lender. Your actual rate and payment depend on your credit profile, income and the vehicle — we'll give you real numbers after you apply.
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Who we help
No SSN yet
Work permit pending or ITIN only — you can still apply.
No US credit history
Just arrived? Your first car loan can be your first step in building credit.
Rebuilding credit
Past problems are not the end — we look at today's income and stability.
First-time buyers
Students, young drivers and anyone buying their first car in America.
Common questions
Can I get a car loan with an ITIN instead of an SSN?
Yes. Several of the lenders we work with accept an ITIN together with a passport and proof of income.
Do I need a down payment?
Not always. With approved credit, $0 down is possible. A down payment can lower your monthly payment, but it isn't required to apply.
Are there any fees before I buy?
No. We never charge application or "reservation" fees upfront. You pay only when you sign for the car.
What documents do I need?
Usually a passport or ID, an SSN or ITIN, proof of income and proof of address. We'll send you the exact list for your situation.
Will this help me build credit?
Yes. On-time payments on an auto loan are reported to the credit bureaus and help you build a US credit history.
Can you find a car that isn't in your inventory?
Yes. Tell us your budget and what you need, and we'll look for it.
Get your numbers today
Text us your monthly budget and documents — we'll tell you which cars you can realistically drive home.