Auto Financing Made Easy
We work with hundreds of banks and credit unions to get you the best rate in minutes.

Financing with First Team Auto Group

Everyone at First Team Auto Group is committed to making financing your next vehicle as quick and easy as possible. With over 70 years in the automotive industry, we've transformed the car buying process with the customer in mind. Whether you are shopping for a new car or a used vehicle, we will quickly get you on the road through a fast and easy online credit approval process.

 1.

Apply Online

The application process takes only a few minutes, and you will get an instant response.

 2.

Get Approved

Once pre-approved, you can shop for the vehicle you want with your budget in mind.

 3.

Enjoy Your Ride

When you are pre-approved, you can get in and out of the dealership quickly.

Car Buying Vs. Leasing

If you're undecided between buying and leasing a car, it's essential to grasp the basics of each option. Buying a car typically involves ownership, either outright or through financing, giving you the freedom to customize and drive without constraints. Leasing, on the other hand, means renting the vehicle for a set period, usually two to three years, with lower upfront costs and monthly payments. However, you don't own the car at the end of the lease term. Understanding these fundamental distinctions can help you align your decision with your preferences and financial situation.

Leasing a Car

Leasing a car presents an appealing option for many drivers due to its distinct advantages. One notable benefit is the reduced initial financial burden compared to buying. With leasing, you typically face lower upfront costs, making it more accessible, especially for those with budget constraints. Moreover, leasing allows you to enjoy the perks of driving a new vehicle every few years without committing to long-term ownership. Additionally, leasing often includes manufacturer warranty coverage, providing a safety net for maintenance and repair expenses during the lease period. However, it's crucial to be mindful of potential drawbacks, such as mileage restrictions and wear-and-tear fees. Similarly, returning the vehicle in pristine condition is essential to avoid additional costs. Thus, while leasing offers enticing advantages, it's essential to carefully consider your driving habits and financial situation with our team of financing professionals to determine if it aligns with your needs and preferences.

Buying a Car

Buying a car presents several advantages that appeal to various drivers, offering a sense of ownership and long-term investment. One significant benefit is the autonomy to customize and drive the vehicle without restrictions. When you buy a car, it's yours to modify and personalize to suit your preferences, reflecting your unique style and needs. Additionally, buying allows you to build equity in the vehicle over time, ultimately leading to outright ownership once any financing is paid off. This aspect is particularly appealing to individuals seeking long-term value and stability. Some things to consider, however, are higher initial costs and responsibility for maintenance and repair expenses as the vehicle ages. Purchasing a car typically involves a larger upfront investment compared to leasing, which may require careful financial planning. Additionally, as the owner, you're responsible for covering all maintenance and repair costs beyond any warranty coverage. Thus, while buying a car offers the advantages of ownership and long-term value, it's crucial to weigh these benefits against potential costs and responsibilities to make an informed decision.

Why Choose First Team?

Here's what our customers say

Great spot to relax while your car being serviced. Nail salon, hair salon, movie theater and complimentary tea/coffee. No harassment zone.
- Lakeisha W.

Frequently Asked Questions

If I have bad credit, can I still finance a car?

You can! We have a program built exclusively with you in mind. Read more about our Credit Rebuilding Program here.

When is my first payment due?

Your first payment due date will be determined with the bank or credit you are financing through. 

Can I add a co-signer to my vehicle?

Sure can! We will work with you and the bank or credit union to determine if a co-signer is needed for your vehicle purchase. 

What if I can't afford a down payment?

No worries. We will work with you to find auto financing options that include $0 down payment.

Can I finance with my own bank or credit union?

Of course! We are more than happy to assist with financing, as well.

Can I split my downpayment into multiple payments?

Yes! You are more than welcome to split your downpayment across multiple payment methods. However, all of the payments must be made on the same day as purchasing your vehicle.

How long are my financing terms good for?

There are many different financing terms available. We will work with you and the financing institution to find the financing terms that best fit your budget and plans.

Can I use a credit card for my down payment?

Absolutely! We accept all major forms of credit cards.

If I have bad credit, can I still finance a car?

You can! We have a program built exclusively with you in mind. Read more about our Credit Rebuilding Program here.

Can I finance with my own bank or credit union?

Of course! We are more than happy to assist with financing, as well.

When is my first payment due?

Your first payment due date will be determined with the bank or credit you are financing through. 

Can I split my downpayment into multiple payments?

Yes! You are more than welcome to split your downpayment across multiple payment methods. However, all of the payments must be made on the same day as purchasing your vehicle.

Can I add a co-signer to my vehicle?

Sure can! We will work with you and the bank or credit union to determine if a co-signer is needed for your vehicle purchase. 

How long are my financing terms good for?

There are many different financing terms available. We will work with you and the financing institution to find the financing terms that best fit your budget and plans.

What if I can't afford a down payment?

No worries. We will work with you to find auto financing options that include $0 down payment.

Can I use a credit card for my down payment?

Absolutely! We accept all major forms of credit cards.

Lending Partners

We use all of our local, national, and manufacturer specific finance sources to compete for your business.

Langley Federal Credit Union
Towne Bank
ABNB
logo of chartway federal credit union
logo of bayport
logo of navy federal credit union

Save Time. Get Approved Today.

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