First Time Auto Program

Ready to buy your first car? We can help!

Our First-Time Auto Buyer Program is designed for young adults who have limited credit and are ready to purchase their first car. This loan comes with low rates, manageable terms and is a great way to establish a credit history.  When you choose C1st to finance your first vehicle, you’ll get a whole lot more than just a new ride. Check out the details below to see if you qualify!


  • Loan amounts up to $15,000
  • Great loan rates
  • Low monthly payments
  • Terms up to 72 Months
  • Start establishing good credit
  • Receive a free emergency car kit


  • Must be 18 years or older
  • Must be employed for a minimum of one year or have qualified co-signer
  • Minimum gross monthly income requirement is $1,000
  • Monthly payment not to exceed 20% of gross income, including insurance premium
  • Proof of auto insurance is required
  • Maximum Loan to Value 95% with minimum 5% cash down. Minimum cash down requirement is not required when a qualified co-signer is provided
  • Must complete the First Time Auto Buyer Quiz prior to applying for the First Time Auto Buyer Loan

Get educated before taking the quiz! Here is some helpful information to help guide you through your auto buying process.

Ready to take the quiz?

 Click here to take the First Time Auto Buyer Quiz