Do I need a credit score to apply?

No. The BrightSTART First Ride program is designed for people with little to no credit history. We look at the whole picture, not just a number.

What vehicles qualify for a First Ride loan?

Both new and used vehicles qualify. You can purchase from a dealership or a private seller.

How fast will I get a decision?

Most applicants receive a decision within minutes of submitting their pre-approval application online.

Does getting pre-approved affect my credit score?

No. Checking your pre-approval rate is a soft inquiry and does not impact your credit score.

What is the maximum loan term?

Loan terms are available for up to 84 months, depending on the vehicle and loan amount.

Can a co-signer help me get a better rate?

Yes. Having a co-signer with established credit may help you qualify for a lower rate or higher loan amount.

Do I need to be a BrightStar member to apply?

Yes, but becoming a member is easy. You can apply for membership and your loan at the same time.

Will making payments on this loan build my credit?

Yes. We report to all three major credit bureaus. Every on-time payment helps build your credit history and improve your score over time.

Routing #:Routing Number: 267078299

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BrightSTART First Ride Auto Loan

Auto Loan Rates As Low As

5.25% APR*

For up to 84 months

Built for First-Time Buyers

The BrightSTART First Ride Auto Loan is designed for people who are just starting out — whether you're a student, a young professional, or simply buying your first vehicle.

We understand that building credit takes time. That's why this program doesn't require a long credit history. We look at the whole picture, not just a score.

Get Pre-Approved Now