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Dann's Discount Auto Sales, Visalia, Tulare, Hanford
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See if I qualify

Credit union program, Hanford lot

First-Time Car Buyer Program in Hanford, CA

Buying your first car? Our first-time buyer program finances it through a credit union, built around a steady job and your monthly income. Approval is up to the credit union.

See if I qualify Call 559-409-1057
A smiling customer with her new grey SUV outside the Dann's Discount Auto Sales building
A young first-time buyer holding up the key to her first car on the lot

First car, first loan

A First Car Loan That Fits Your Paycheck

A row of affordable used compact sedans on the lot

Financed through a credit union

The loan comes from a credit union, for up to $30,000, for buyers with a steady job and no derogatory credit history.

See the program

A payment sized to your income

Your car payment can't be more than 18% of your monthly income, so the car fits the budget you already have.

Check my buying power

Your trade-in can help

Have a car now? Its value can go toward the down payment. Ask for a value when you apply.

Value my trade

The program

First-Time Buyer Program, In Full

Financing for your first car through a credit union, built around your income and your job history.

Pre-qualify onlineCall 559-409-1057
  • Loan amountQualify for up to $30,000 through a credit union
  • Payment limitYour payment can't be more than 18% of your monthly income
  • IncomeAt least $1,800 a month. Proof of income required
  • Down paymentLow down payment options available
  • CreditNo derogatory credit history
  • Time on the job9 months on the same job, or 6 months on the job with 12 months of previous work in the same line of work

Subject to credit union approval. Not all buyers will qualify.

Our lots

Where to Start Your First Car Loan

Start your financing at the Hanford lot, or stop by any of our lots in Kings and Tulare counties.

The Dann's Discount Auto Sales building at sunset with used cars in front

Getting ready

Get Ready Before You Apply

Gather your proof of income and your job history, pick a car that keeps the payment within 18% of your income, then apply.

  • Shop used sedans, SUVs and trucks in Hanford
  • Use the buying power tool to set a budget
  • Get a value on your trade-in
Browse Hanford inventory Try buying power tool
A couple with the black sedan they just bought, under the Dann's sign

Your checklist

What to Bring to Apply

The program checks income and job history, so bring proof of both.

  • A valid driver's license

    A current California driver's license or another government photo ID.

  • Proof of income

    Recent pay stubs showing at least $1,800 a month.

  • Your job history

    Your employer and start date, and your previous job in the same line of work if you have been at the current one less than 9 months.

  • Proof of residence

    A recent utility bill, lease or bank statement with your name and current address.

  • Your down payment

    Low down payment options are available. Our finance team tells you what to bring for the car you choose when you call.

  • A trade-in, if you have one

    The car, its title and every key. Its value can go toward the down payment.

Down payment FAQ

First-Time Buyer Questions, Answered

Who is the first-time buyer program for?

Buyers taking out their first car loan who have a steady job, at least $1,800 a month in provable income and no derogatory credit history. The loan comes from a credit union, it is subject to the credit union's approval, and not all buyers will qualify.

How much can I borrow?

Up to $30,000. The payment can't be more than 18% of your monthly income, so what you can borrow also depends on what you earn and the car you choose.

How much do I need for a down payment?

Low down payment options are available. What you put down depends on the car you choose and the credit union's approval, and a trade-in can go toward it, so bring your current car if you have one.

How long do I need to have been at my job?

9 months on the same job, or 6 months on the job with 12 months of previous work in the same line of work. Bring the details of both jobs if you have changed jobs recently.

What if I have bad credit?

This program is for buyers with no derogatory credit history. If your credit has had trouble, our bad credit car loans are the place to start: we work with lenders that help buyers rebuild credit.

Does everyone qualify?

No. The program is subject to credit union approval, and not all buyers will qualify. The credit union looks at your income, your job history and your credit report before it decides.

Will applying affect my credit score?

Pre-qualifying won't. Our online pre-qualification answers in seconds and does not affect your credit score. When you apply for the program, the credit union reviews your credit report as part of its decision.

Where do I apply?

At our Hanford lot, 124 E 7th St, Monday to Saturday 9:00 AM to 7:00 PM and Sunday 10:00 AM to 6:00 PM. Call 559-409-1057 and we'll have someone from finance ready with the program details.

Get started

Ask About the First-Time Buyer Program

  • Call the Hanford lot

    A finance specialist at her desk, ready to help first-time buyers

    Talk with a person about the program and what to bring.

    Call 559-409-1057

  • Send a financing question

    Enter your phone number using digits.
    Enter a valid email address.
    Choose a service.

    Your message goes straight to the Hanford lot.

Dann's Discount Auto Sales

Used cars, trade-ins and financing in Visalia, Tulare and Hanford, and auto service in Tulare.

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