First Time Auto Loans in St. Charles / St. Charles County

October 30, 2015  

If this is your initial attempt to buy a vehicle by financing it, having an empty credit history can sometimes make the process a little difficult. It is not, however, impossible. Before starting out on your car buying journey, closely and frankly consider several aspects of first time auto loans in St. Charles / St. Charles County.

First Time Auto Loans in St. Charles / St. Charles County


  • Determine how you will pay for the vehicle. Cash is usually not a viable option for most people.
  • Learn how financing works. Research the topic so that you will be prepared during every stage of the process.
  • Evaluate your budget to make certain that you can afford monthly loan payments.
  • Be sure to include in your budget the approximate amount of gasoline you expect to utilize by the week and the month.
  • Also plan for regular maintenance tasks such as oil changes, tires, wiper blades, etc.
  • There are also frequently unexpected costs that may arise from rising gas prices to an unanticipated repair.

To lower the cost of the vehicle over the long term, pay as much as you can comfortably afford as a down payment. A dealer looks upon this favorably, especially when you are a new buyer. Search for a used auto that not only looks appealing but is reliable, safe and in good overall condition.

5 Star Auto Plaza is here to help individuals with the ins and outs of first time auto loans in St. Charles / St. Charles County. Call us today at (636)940-7600 to inquire about our current inventory of pre-owned cars, mini-vans, SUVs and trucks.

5Star auto plaza Review

5 Star Auto Plaza

5 Star Auto Plaza Review

  • St. Charles Used Cars

    Review Your DealerThey did me a great deal by working with  me on my trade in. I got into something I actually wanted and didn’t break the bank. Read More
  • St. Charles Used Cars

    Review Your Dealer5 Star Auto Plaza even won my husband over with their sales techniques. There was no high pressure tactics or belittling us. I was also impressed with all the clean cars and their selection. I would go back without hesitation. Read More
  • Chesterfield Used Cars

    Review Your DealerI made an appointment at 5 Star Auto Plaza. They showed me the car and gave me a test drive. They were  very friendly, courteous, and didn’t try to hard sell me. The car sold itself, yet they made the experience easy. Read More
  • St. Louis Used Cars

    Review Your DealerI found the gentlemen  I dealt with at 5 Start Auto Plaza quite respectful and seemed to really have my best interest at heart . My salesman really worked with me on picking out the perfect car for me. I appreciated the personalized approach he offered. Read More
  • O’Fallon Used Cars

    Review Your DealerDidn’t have to go through a big deal on getting a deal. I told them what I thought the car was worth and they worked with me to get me there. Read More
  • St. Peters Used Cars

    Review Your DealerI  wanted a new car for myself so I started checking out some cars online. I found a Lexus LS430 and decided it was the perfect car for me, I just needed to find the right priced one. I found one at 5 Star Auto Plaza, they worked within my budget and I got the car [...] Read More
  • St. Louis Used Cars

    Review Your DealerThey gave me a great price on my trade in and the overall price was very fair according to blue book. I am more than pleased with how the service was here. Read More
  • St. Charles Used Cars

    Review Your DealerFriendly faces and attitudes made all the difference for me from past experiences. They even detailed my suv upon delivery. Great experience. Read More
  • St Charles Used Cars

    Review Your DealerLast summer I purchased a F150  from these guys.  After looking at several local dealerships, I found 5 Star Auto Plaza had the best prices, they had honest sales people and a great selection.  My truck is a great, it runs perfectly and it we absolutely love it!   Read More
  • St. Louis Used Cars

    Review Your DealerRecently after filing for a bankruptcy, our SUV broke down so we need a new family car.  We were really concerned after being turned down by another local auto dealer and our bank for a car loan due to our lack of credit after the bankruptcy.  We were truly elated to find 5 Star Auto [...] Read More
  • At 5 Star Auto Plaza, we believe buyers should have expectations.

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