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First time auto buyer

First-Time Auto Buyer Program

Buying your first car? You could get an auto loan with limited credit history.

Apply for my loan

Today’s auto loan rates

New auto loans as low as¹
5.84
%APR
Used auto loans as low as¹
5.84
%APR
See all rates

First-time auto buyer benefits

Get great auto rates
Buying your first car is a big step! You deserve a competitive rate to help you seal the deal.
Build your credit
You could qualify for the First-Time Auto Buyer Program with little credit, then build from there.
Apply now

How to qualify

You’ll need to meet all the following requirements:
document
Have a minimum of one account on your credit report.²
Have a credit history of at least two years.
Have no auto trade history.

Get your new ride in 4 steps

Apply for your loan.
Apply online, over the phone or at a branch for private party purchases or at the dealership for partner dealership purchases.
Choose your vehicle.
Research vehicles and choose the right one for you based on your needs and budget.
Sign your loan documents.
Sign at a branch for private party purchases or at the dealership for partner dealership purchases.
Drive away!
Still have questions about your loan? We’re happy to help. Just click, call or come in!
Apply now

AutoSMART makes car shopping easier for you.

Search for vehicles at partner dealerships across Arizona, then get your Desert Financial auto loan right at the dealership you choose! It’s a simple, connected experience that helps you car shop with a little more confidence.

Search for vehicles
A new graduate sitting in the driver's seat of his car and fixing the side mirror through the window.

Graduate college recently?

Check out our college graduate auto loan program with similar benefits!

Tell me more

What auto borrowers are saying

"My loan had several moving parts and [they] knocked it out of the park and communicated every move. That is special and very hard to find these days."
Christopher M.

Estimate your monthly payment

$
%
Yrs
Monthly Payment
$0
Apply now
Monthly payment estimates received from this calculator are designed for comparative purposes only and do not represent a financing offer. Actual payment may be greater.

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DISCLOSURES

1 

Annual Percentage Rate (APR) shown effective {current-date}, and is subject to change without notice. “As low as” rate assumes excellent borrower credit history. Actual rates and APRs dependent upon borrower(s) credit qualifications. Additional rate discounts may apply. Visit our rates page for additional information and details.

2 

Does not include student loan tradeline accounts and tradelines indicating the applicant is an authorized signer of the account.

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