Car financing with no cosigner

Plenty of people finance a car without a cosigner, including first-time buyers and shoppers rebuilding their credit. A cosigner can help, but they aren't required. What matters is showing a lender you can comfortably make the payment on your own.

What makes a strong solo application

• Proof of steady income: recent pay stubs, or bank statements if you're self-employed or paid in cash
• Time on the job and at your address: stability counts
• A down payment or trade-in: lowers the amount you need to borrow
• A vehicle that fits your budget: the payment should feel comfortable, not tight
• Recent on-time payments: on rent, phone, cards or any other accounts

Cosigner vs. co-applicant

A cosigner promises to pay if you don't. A co-applicant (often a spouse or partner) is a co-owner who shares the loan. Either one can help with approval or terms, and our credit application lets you add a co-applicant if you want to. Just remember they're responsible for the loan too.

First car? No credit yet?

No credit history isn't the same as bad credit. See first-time car buyer financing for how lenders look at a thin credit file.

Your next step

1. Apply online. Get pre-approved in about two minutes. The online form doesn't pull your credit.
2. Talk it through. We'll reach out to go over your options, what paperwork you'll need and which vehicles fit your budget. Rather talk first? Call (445) 260-0398.
3. Drive it home. Visit us at 6735 Essington Ave, Philadelphia, PA 19153, finish the paperwork and test drive the vehicle you picked.

Approval always depends on your application and the lender's review. We'll always be upfront about where you stand.