First Time Buyer Program

Open Today! Sales: 9am-7pm
Call us at: 855-509-3939

First Time Buyer Auto Financing With Arizona Car Sales

In every person’s life, big decisions are made. These decisions should be exciting and adventurous, not frustrating and disappointing. Two of these decisions include buying your first house and buying your first car. When it comes to buying your first car, Arizona Car Sales has your needs in mind.

One of the advantages we offer is our first-time buyers program which ensures that if you find a car you like on our lot, you’re pretty much guaranteed to walk away financing, regardless of credit! One of the major problems that affects first-time car buyers is lack of credit. Here at Arizona Car Sales in Mesa, Arizona, we can offer you a car loan even if you have bad credit, or no credit at all. Someone needs to give you a chance, so you can build good credit!

Arizona Car Sales also works with all International residents and all visa holders (F1, J-1, L-1, H-1B, E-1, O-1, etc.) in the U.S., such as students, young professionals, and new immigrants!

No Social Security number or credit history is required!

OK! Young Professionals/First-time Buyers (L1, H1B, E1, O1 visa)

OK! International Students (F1, J1 visa)

OK! Service Employees (B1 visa)

We also will never require you to have a cosigner. When you buy with us, buying a car is something you can do on your own, without a parent’s or a spouse’s help. The only real requirement is you must be at your job for 6 months or longer, with provable income and identification.

Some of the advantages to our first-time buyers program also include no need for a down payment, a loan up to $15,000, and a low-interest loan so you’re not paying off the same loan for years and years.

To hear more about our first-time buyers program, or about any of our current inventory or used cars, trucks and sport utility vehicle specials, call Arizona Car Sales today at (480) 821-6161 to speak with a member of our finance team or Click Here to Get Your First Time Buyer Auto Loan!.

*Certain restrictions apply. Contact us for details and to see if you qualify.


Here at Arizona Car Sales, we know that car financing can be difficult for some of our customers. That’s why we offer our guaranteed credit approval auto loan financing form so you can apply and receive instant credit, regardless if you have no credit, good credit, or bad credit!

  • Affordable Payments that makes your monthly payments cheaper and life easier.
  • Nice Cars for Bad-Credit so you can still drive in style, making it all worthwhile.
  • First Time Buyer Auto Loans as low as 5.50% APR


We understand that bad things happen to good people. Arizona Car Sales specializes in getting you financed, no matter what your credit situation is. If you are one of the millions of Americans who struggle with credit problems, we can help. We are proud to offer Guaranteed Credit Approval at Arizona Car Sales! It’s QUICK. It’s EASY. It’s LIFE CHANGING! Bankruptcy, late payments, divorce and repossessions as well as being a first-time car buyer are no problem.

You deserve a second (or third) chance and we can help!! Regardless of your credit score we say YES! Bad Credit, Repo’s, Foreclosure, No Credit, Bankruptcy’s ALL OK! GUARANTEED! We can approve you for credit and secure your car loan with our bank. We can also help you establish or re-establish your credit with all three credit bureaus.

In most cases, we offer service contracts and insurance included in your payment on the vehicle you select, so what are you waiting for? Let’s face it. A number of us have some financial skeletons in our closet. Being a first-time buyer, having repossessions, bankruptcy, late payments, fixed income, bad credit, no credit; it’s likely one of these is the reasons you are visiting our website.

At Arizona Car Sales, our goal is to help you get a fresh start, not just with getting back on the road but also either building or rebuilding your existing credit score. By making on-time payments on your car loan, you can begin the process of rebuilding your credit.

Please take a moment to fill out our Guaranteed Credit Approval Auto Loan! Here you’ll be able to securely apply for guaranteed auto loan financing quickly and easily. You can see our current inventory or our current used cars, trucks and sport utility vehicle specials here!

The car you’ve been searching for is waiting, so challenge us. We’re ready to help you! It just takes a few minutes to be approved! We are able to offer Guaranteed Credit Approval because our program is designed to help everyone to get back on track, regardless of previous credit issues. This program will help to build or rebuild your credit by reporting to the major credit bureaus on a monthly basis. The average credit increase is 100 points over a 24-month term and thousands of customers we’ve sold we have taken from high interest loans to bank or credit union financing and new or like new financing by the time they are ready to buy their next car, truck or SUV!

All you need to drive away today

  1. Proof of income (computerized pay stub in last 2-3 weeks, 2 months bank statements or canceled checks)
  2. Proof of residence (Utility bill, mailed bank statement, cell phone bill)
  3. 6-8 personal references (name, address, and phone number)
  4. Proof of full coverage insurance or we can get it for you here!
  5. Valid Arizona Driver’s License, ID Card, Matricula or Passport

Here are some benefits of having a great credit score

  1. Ability to obtain major credit cards
  2. Higher purchasing power
  3. Obtain low-interest future loans with little to no money down
  4. Ability to purchase a home with a low-interest mortgage
  5. There are many payment options available such as weekly, bi-weekly, monthly payments, or automatic withdrawal from your checking or savings account.

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We're located at 1648 E. Main Street, Mesa, AZ 85203

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1648 E. Main Street • Mesa, AZ 85203

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Today's Hours:

Open Today! Sales: 9am-7pm

Open Today! Service: 8am-5pm

Open Today! Parts: 8am-5pm

Arizona Car Sales 33.415775, -111.794924.