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First Time Buyer Program Financing


First Time Buyer Program

First Car? No credit? Bad credit? No problem! First time car buyers can be intimidated by the car buying process but don’t let that stop you. Although intimidating it can be a fun and easy process.  The first thing to do is to get prequalified. One of the worst things that car buyers do is fall in love with a car before knowing how much they can actually afford. Find out how much you can actually afford before searching and test driving any vehicles so you can avoid getting disappointed when you can’t afford the “luxury” vehicle (for now). First Time Buyer programs is a specially designed program that is designed to help first-timers get fast and quick loans. What’s more, this program offers these loans with little or no down payment options. 


You most probably have questions about the process of a First Time Buyer program such as: 

How does financing work?

Is a Down Payment required?

What do I need to get Pre-qualified?


These and other questions are really good questions to be informed on to help make your decision on purchasing a vehicle. Liberty Cars and Trucks hopes you find the information below helpful in making your decision!


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Visit us at 3010 E. Bell Rd Phoenix Arizona and have a spin with one of our vehicles. Our staff is accommodating and friendly. They are also well knowledgeable on the cars and trucks in our showroom and our finance options. Come one, come all.

Come take a look at our inventory at our Phoenix AZ dealership.  We look forward to meeting you!

First Time Buyer Questions

How does financing work?

You’ve found your perfect car! Low miles, great condition, amazing radio system, basically everything you need! How do you pay for it?  As a standard practice, when you finance a car you’re borrowing money and entering into a contract to repay it over time, typically in monthly payments. People use this to purchase, homes, recreational vehicles, appliances, etc. 

Is a Down Payment required

In a traditional type loan the answer is usually a “yes”. Some lenders and banks will also require a First Time Buyer to put a down payment on their car loan purchase as “good faith money” to show that you are serious about your purchase. 

What do I need to get Pre-qualified?

Lenders or banks usually want to see a valid driver’s license or state-issued ID, proof that you are employed, your employer’s contact information, bank statement showing at least 3 months worth of income and your co-applicant information if you have a co-applicant. 

Can I get approved if I have no credit or bad credit?

Yes! Liberty Cars and Trucks has successfully provided our customers with auto loans with credit problems. We make the process of buying a first car as easy and painless as possible.  

Benefits of Our First Time Buyer Program

  • All credit types accepted
  • Instant Decisions
  • Fast online application
  • Multiple loan offers for approved applicants


A few minutes is all you need to complete our one-page application, if approved, you’ll enjoy our seamless, no-hassle car-buying experience! 

If your credit is suffering from financial mistakes made in your past, look no further than our Buy Here Pay Here Financing Department. We work with people like you who have less than perfect credit or no credit at all to ensure that you get a fair deal on a vehicle that you want to drive at rates that are relatively fair. The best way to find out about interest rates and payment is to contact our Finance Department to discuss your options. In fact, you can pick up the phone and Call 602 331-3333 and one of our Service Managers can have you behind the wheel of a vehicle sooner than you think. Our auto and truck Finance Office professionals are friendly and willing to work within your budget to find you a vehicle that best suits your needs.

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