Full Credit Application

Yes. By checking the credit report consent box, you authorize First Class Auto and its lending partners to obtain a consumer credit report. This is a hard inquiry. If you only want to check what documents you need without a credit pull, use the Financing Readiness check instead.

A real Finance Manager reviews your application and texts you within 60 seconds during business hours with your financing options and next steps. After hours, you hear back first thing the next morning.

Your SSN is transmitted over an encrypted connection and used only to run the credit application through our authorized lender portal. We never store sensitive financial data on this website and never sell or share your information for marketing.

Yes. On the Financials step, check 'Add a co-buyer' and enter their name, phone, and SSN. A co-buyer can strengthen your application and may improve your rate.

We work with leading lenders that offer solutions across a range of credit histories, including less-than-perfect credit. Our finance manager matches you to the right lender after reviewing your application.

No. You can apply first and shop later. If you already have a vehicle in mind from our inventory, include the year, make, model, and VIN so we pull the exact listing.