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First Time Buyer – No Credit Car Loans

Financing a vehicle for a first time car buyer is a major step in establishing credit, but how are you supposed to buy a car if you have no credit and dealerships say you need to have established credit?

At , the answer is easy with our First Time Car Buyer Program in the Dallas Fort Worth area. No credit car loans are designed for car buyers who are ready to embark on the purchase of their first automobile. We have multiple banks that will accept First Time Car Buyers and help you get your credit started today!

Apply Now

Minimum Guidelines:

  • Must be at least 18 years old and be able to repay the car loan
  • Must be employed for a minimum of one year or have a qualified co-signer
  • Have no more than 12 months of auto loan payment history reflected on credit report and no derogatory credit may be present
  • Minimum gross monthly income (what you make before taxes) requirement is $1,500
  • Monthly payment not to exceed 20% of gross income, including insurance premium
  • Proof of auto insurance required
  • Maximum car loan amount is $15,000
  • Must provide a minimum of 5% cash down (having a qualified co-signer may reduce or eliminate the need for a cash down payment)

Simply complete the application below and one of our credit specialists will contact you as soon as possible.

Apply for Financing – Restart Your Credit with Five Star Ford

Our Credit Restart Program gives good people who have bad credit “speed bumps” in their past a chance to start over. We have helped thousands of people over the years reestablish their credit with auto financing, while helping them drive home in a dependable vehicle.

Push To Restart Your Credit

Whether you have experienced slow/late pays, collections, bankruptcies, repossession, or other type of bad credit … we can help with your auto financing! Unlike the “buy here, pay here” dealerships which can hold you credit hostage, our banks report to credit bureaus like Equifax and Transunion. This helps us restart your credit with the first vehicle you finance with us. Over time and with good payment history, we can continue to trade you up in vehicle while working with new lenders and increasing your credit score for each car loan.

Simply complete the application below to Restart Your Credit and start enjoying the financial freedom that comes with a healthy credit report.


Ford College Student Discount

When you’re in college, saving money can be just as important as going to class (maybe even MORE important). Wouldn’t it be nice if you got a college discount on the things you need? Well at Five Star Ford in North Richland Hills, you do!

Both active college students AND recent college graduates qualify for an extra $500 rebate towards the purchase of a new vehicle above and beyond all other public offers. Everybody needs transportation and this program is a great way for you to get a reliable vehicle at a great price!

If you’re interested in seeing if you qualify for the College Student program, please click the button below and one of our Internet Sales Managers will contact you soon.




For The Same Or Lower Monthly Payment!

Thanks to the Ford Vehicle Exchange Program at Sam Pack's Five Star Ford North Richland Hills, you can upgrade to a new vehicle regardless of when you bought your last one. Whether you're looking to end your lease or upgrade to a new Ford car, truck or SUV that's better suited to your lifestyle, you'll be met with open arms at our Ford dealership in North Richland Hills, TX. Learn more about our Ford Vehicle Exchange Program, then come meet with our Ford financing team to go over your auto loan and lease options.


Our Ford Vehicle Exchange Program includes an expedited sales process, allowing us to get you in the vehicle of your dreams faster. You can drive home in a newer vehicle and talk with our Ford finance experts about lower monthly payment options. We can help you secure better financing terms so that you can drive home in the spacious, powerful or fuel-efficient Ford you desire. We have new Ford F-150 trucks and Ford Explorer SUVs for sale, so don't hesitate to visit our North Richland Hills Ford dealership to explore all of the benefits of upgrading your vehicle with the Ford Vehicle Exchange Program.

When you buy or lease a new Ford, you can enjoy reduced maintenance and repair costs, the latest in Ford safety technologies and a host of modern comfort and entertainment features that will make each journey one to remember. Don't put off following your automotive dreams – upgrade your car today with the Ford Vehicle Exchange Program.

Contact Sam Pack's Five Star Ford North Richland Hills to learn more and see what kind of loan or lease we can set you up with.