How It Works

We Finance YOU — Not Your Credit Score

Fast, friendly in-house financing for hardworking families in Spartanburg and the Upstate.

At Family First Auto, we believe everyone deserves reliable transportation. That’s why we handle financing ourselves — no banks, no long waits, and decisions based on your current income and budget, not just your past credit.

How It Works:

  1. Drive home with peace of mind
  2. Browse cars and pick the one you like
  3. Apply online or right here on chat (takes just a few minutes)
  4. We review your situation quickly — approvals same day
  5. Drive home with peace of mind

What We Typically Look At: Income, employment stability, and down payment amount. We work with many customers who have been turned down elsewhere.

Example Terms (use your real averages): Most of our customers finance vehicles between $11,000 – $19,000 with down payments starting at $1,000 and terms up to 36 months. Weekly, bi-weekly, semi-monthly, or monthly available.

Benefits:

  • Flexible payments aligned to your pay schedule
  • Opportunity to rebuild credit with on-time payments (we report to credit bureaus)
  • One-on-one support from a local Spartanburg team

Required Documents:

  • Valid driver’s license or ID
  • Proof of income (recent paystubs or bank statements)
  • Proof of residence
  • Personal references

“Ready to Get Approved? Apply Now or Chat With Us Live