How do I buy a car from First Credit?

The process is simple. It starts with the credit application. This will tell us what amount of loan you qualify for.

Do you require a down payment?

Down payments vary depending on your application and trade-ins count towards the down payment.

I have bad credit. Can I still buy or finance a car with First Credit?

Yes, First Credit specializes in helping people with past credit problems.

Ok, I am ready to buy a car. What do I do?

You can call First credit and get pre approved before you come to the office or just click to fill out our online CREDIT APPLICATION. You will receive a phone call back from one of our representatives usually the same day.

When I come in for our appointment, what do I need to bring?

You will need to bring the following items to finalize the transaction.

  1. valid drivers license
  2. proof of income
  3. vehicle trade in with title and registration
  4. car insurance information
  5. down payment.

What type of vehicles do you have on your lots?

We offer a full range of cars, vans, trucks and SUVs. If we don’t have what you are looking for we will go to work and find it for you.

I have never bought before and I have no credit. Will you help me?

Yes, with First Credit, your job is your credit.

Contact Either First Credit Auto Location

Mason City: 721 South Monroe Avenue Mason City, Iowa 50401

Phone: (641) 423-5214

Hours: Monday – Friday: 8:00 – 5:30 Saturday: 8:00 – 4:00

Rochester: 1245 Eastgate Drive Southeast (On Marion Road) Rochester, Minnesota 55904

Phone: (507) 289-2115

Hours: Monday – Friday: 8:30 – 5:00
Saturday: 9:00 – 3:00