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First-Time Buyer Car Loans 

Purchasing your first vehicle is an exciting journey. Not only does a fresh set of wheels get you around the Chattanooga, Tennessee area, but you’ll also open the door to freedom throughout Madison, Alabama! However, if this is your first time securing a loan for a vehicle, you may be wondering where to start.

At Auto Simple, our finance team specializes in first-time buyer car loans, making the process easy, quick, and accommodating. Best of all, you don’t need a cosigner or established credit to get started. Let us walk you through the steps, so when it’s time to crunch numbers, you’ll be ready!

Step One: Receive Online Credit Approval 

Before you start shopping for your first set of wheels, you can determine your budget and get started on financing with our virtual credit application.

Once you navigate to our online application, you’ll be asked for some personal information to help get the ball rolling. It only takes a minute to complete, all your information will be secure, and it won’t impact your credit score.

After it’s submitted, you’ll then be contacted by our team who will provide more information and let you know what further steps need to be taken.

Step Two: Find Your Vehicle

With your budget set and approval for an auto loan secured, it’s time to find your dream car. Conveniently, you can start shopping for your model online, thanks to our virtual inventory.

There’s something for everyone here, from sedans and crossovers to SUVs, vans, trucks, and more, so you can easily determine which model is right for you. When you’ve found it, let our team know, or visit our dealership. We’ll be glad to give you an in-person tour and set you up for a test drive.

Step Three: Finalizing Your Finance Package 

Now that you have been pre-approved, and have found the vehicle you will enjoy driving for years to come, it’s time to make everything official.

You’ll meet with a professional from our finance team who will guide you through the process. They’ll look at your information, craft a plan that works for your lifestyle, and make sure all your needs are met. Best of all, everything is done in-house! We proudly extend credit ourselves, and there is no need for third-party lenders or banks.

Step Four: Establish Your Credit 

At our dealership, we cater to every type of driver, whether that means you have the best credit possible, or no credit at all. If this is your first time securing an auto loan, it’s a great chance to build your credit!

By making your payments on time every time, you can easily establish your credit, so the next time you need to purchase a vehicle, you’ll be even more prepared. Plus, you can easily make all your payments online through our website!

Receive Your First-Time Buyer Car Loan Today! 


When you team with Auto Simple, you’ll drive away with a vehicle you love—and an ideal payment plan to match.


We invite all first-time car buyers in Chattanooga, TN and Madison, AL, to schedule an appointment with our finance team today! We look forward to assisting you soon!

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