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

October 31, 2015  

If you have never bought a pre-owned car by financing it, the process can be a bit daunting. In addition, having no previous credit history can often slow prevent a purchase. However, it is possible to achieve. Before you begin your used car and financing search, evaluate your options for first time auto loans in St. Louis / St. Louis County.

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

  • What is your budget? Can you afford the additional monthly debt of a car payment?
  • Do you have several thousand dollars available in cash or will you have to finance?
  • Research how financing is handled to determine if you will be able to meet the requirements.
  • Within your budget, take into consideration the cost of gasoline and how much you anticipate using each week. Also, routine maintenance service such as changing the filters and oil changes must be anticipated. Unfortunately, there are also unanticipated costs if a part malfunctions. Repairs can be expensive so keeping this in mind can be quite helpful.

The higher your down payment the better. This is an advantage over the length of the loan in that you end up paying less overall. Dealers also appreciate a larger down payment up front, especially from first-timers. Your used vehicle search should encompass a car that is dependable, in decent condition and has safety features.

5 Star Auto Plaza offers first time auto loans in St. Louis / St. Louis County. Speak with a member of our sales team today at (636)940-7600 to ask about our inventory of pre-owned mini-vans, autos 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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