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