
Explain what lenders typically look for with first-time buyers
Help you estimate a realistic payment range
Tell you what documents to gather for tax season
Answer questions privately — no judgment, no obligation


Do I need perfect credit to get a car?
No — many first-time buyers have thin or limited credit history. The key is having a clear plan.
How much down payment do I need?
It depends on the deal structure, vehicle, and lender. Your refund can help a lot.
Can I get approved before my refund arrives?
Often yes — you can get a plan in place so you’re ready when the money hits.
What documents should I have ready?
ID, proof of income, proof of residence, and insurance info are common. We’ll confirm what you need on the call.
Is the consultation really free?
Yes. It’s just a helpful conversation so you know what to expect.
Friendly, straightforward guidance
Clear expectations on documents and next steps
Help matching the right vehicle to the right approval path



Explain what lenders typically look for with first-time buyers
Help you estimate a realistic payment range
Tell you what documents to gather for tax season
Answer questions privately — no judgment, no obligation

Do I need perfect credit to get a car?
No — many first-time buyers have thin or limited credit history. The key is having a clear plan.
How much down payment do I need?
It depends on the deal structure, vehicle, and lender. Your refund can help a lot.
Can I get approved before my refund arrives?
Often yes — you can get a plan in place so you’re ready when the money hits.
What documents should I have ready?
ID, proof of income, proof of residence, and insurance info are common. We’ll confirm what you need on the call.
Is the consultation really free?
Yes. It’s just a helpful conversation so you know what to expect.

Friendly, straightforward guidance
Clear expectations on documents and next steps
Help matching the right vehicle to the right approval path