Happy Driver

The process of buying a used car can seem intimidating if you are trying to buy a used car with no credit or cosigner. The typical way of buying a used car is not friendly for first-time car buyers because traditional financing is heavily based on credit score. Fortunately, there is another option for getting into a used car even if you are in the category of ‘first-time car buyer no credit.

As a first-time car buyer, no credit can make it impossible for you to purchase a used car at a traditional car lot without the help of a cosigner. Getting qualified to finance a used car at a traditional dealership requires you to have a good credit score or a cosigner with a good credit score. If you are purchasing a used car for the first time, it is likely that you have not built up a credit score yet – traditional financing does not take this into account. Fortunately, there are options for purchasing a used car without needing a cosigner or a high credit score.

Buy-Here-Pay-Here Lots

Buy here pay here car lots make it possible for you to purchase a used car with no credit or cosigner – even if you are looking for low down payment options like 500 down used cars. The model of buy here pay here dealerships is to provide financing in-house. This means that the people at the dealership can look at factors beyond your credit score to determine if you qualify for financing. If you fall into the category of ‘first-time car buyer no credit’, buy here pay here car lots are your best option for finding a vehicle.


Buy here pay here in Phoenix, Arizona provides first-time car buyers with the ability to get into a vehicle with no credit or cosigner. As long as you can provide a few documents and meet some basic stipulations, you can get qualified for financing at buy here pay here dealerships. In Arizona, Auto Action currently has buy-here-pay-here car lots in six locations. If you are searching for flexible options such as used cars 500 down, Auto Action can help.

To qualify for financing through Auto Action you need to provide:

  • Proof of Income (in the form of paystubs, bank statements, or job letter)
  • Proof of Residence (a recent utility bill that you received in the mail within the last 30 days)
  • Eight References

Get qualified for financing and find a used car you love with the help of Auto Action. You can check out the Auto Action inventory online or visit one of the six Arizona locations in person.