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Home / Car financing / First-Time Car Buyer? Start Here

Buying your first car in the U.S. without a credit history is possible. Some lenders work with first-time buyers, including ITIN holders; a down payment and proof of income make the biggest difference. Here is the whole path — documents, insurance, registration and inspection — so nothing surprises you.

1. Documents

  • Photo ID: passport or government ID
  • Driver's license (needed to register the car in your name)
  • ITIN or Social Security number, if you will finance
  • Proof of income and proof of address

2. Budget for the total, not the sticker

Plan for the vehicle price plus dealer fees ($629), 6.25% Massachusetts sales tax on the vehicle price, $75 title, $60 registration and the $35 inspection sticker. The payment calculator does the math for you.

3. Insurance before registration

In Massachusetts the registration form (RTA) needs your insurance agent's stamp, so you get insurance before the car goes in your name. We help you with this part.

4. Registration and inspection

We handle the RMV paperwork. After registration, the car must pass the state inspection within 7 days. Massachusetts also gives a used car warranty based on mileage — every car page shows which one applies.

Financing is subject to credit approval. Terms, rate and down payment depend on the lender.

Questions people ask

Can I buy a car with no credit history?

Yes. Paying cash needs only a valid ID. For financing, some lenders work with first-time buyers; approval depends on the lender, and a larger down payment usually helps.

Do I need a Massachusetts driver's license?

You need a driver's license to register the car in your name. Under the Work and Family Mobility Act, Massachusetts residents can apply for a standard license regardless of immigration status — see the RMV for the requirements.

How much down payment do I need?

It depends on the lender, the car and your situation. Tell us your budget and we show you the options.

Quick pre-qualification

We never ask for your Social Security number here. If a lender needs it, we send you a secure link — never by text or email.

Talk to a person

Call, text or WhatsApp — English, Português, Español. Monday–Saturday, 10 AM–6 PM.

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