First-time buyers
First-time car buyer financing in Chantilly, VA
Buying your first car is a big step, and you don't have to figure it out alone. We work with multiple lenders, including lenders who specialize in first-time buyers.
- Lenders for first-time buyers
- Apply online or call first
- 30-day Virginia temporary tags
- Clean title, VA-inspected cars
Buying your first car, step by step
Here's how buying your first car from Miran Motors works, from setting a budget to driving away.
- Set your budget. Count the listed price, the $599 dealer processing fee (not included in listed prices), Virginia sales and use tax of 4.15% of the sale price, title and registration fees, and insurance.
- Get pre-approved. Apply online, or call (703) 996-9959 to talk it through first. Pre-approval works for any vehicle on our lot.
- Pick a car. Compare vehicles, save favorites, and check the Carfax vehicle history report linked on the listing. All our cars are clean title and passed Virginia safety inspection before listing.
- See it in person. Visit our Chantilly lot and look the car over before you decide.
- Sign the paperwork. Finish it with us in Chantilly, bring proof of insurance, and leave with Virginia temporary tags while the DMV processes your title and registration.
Little or no credit history
Everyone starts somewhere. If you've never had a loan or a credit card, your credit file may be thin or empty. That's common when you're buying your first car, and it doesn't stop you from applying.
A steady income and a reasonable down payment help your application. Each lender makes its own decision, so we can't promise approval, but we'll help you understand your options.
On-time payments can help you build a credit history, as long as your lender reports to the credit bureaus. Many auto lenders do, so ask yours how it reports.
What to bring
Bring the items below when you come in to buy. Our finance manager will confirm the exact list for your application.
Already have a car? Get a trade-in or cash offer, and a trade-in's value can go toward your purchase.
- A valid driver's license
- Proof of income, such as recent pay stubs
- Proof of residence
- Proof of insurance
Insurance and temporary tags
Insurance is part of your budget, so get quotes early. You'll need proof of insurance when you buy, and if you finance, your lender may have its own coverage requirements.
Virginia dealers issue temporary tags that are valid for 30 days. They let you drive your new car while the Virginia DMV processes your title and registration.
Ready to get started
Miran Motors is at 25354 Pleasant Valley Rd STE 125 in Chantilly, close to South Riding and Centreville. If you live in Ashburn, Fairfax, or elsewhere in Loudoun or Fairfax County, we're nearby. We're open Monday to Friday 10am to 7pm and Saturday 11am to 5pm, and closed Sunday.
- Start your application
- Cars under $10,000
- Cars under $15,000
- Questions? Call (703) 996-9959
Questions
Common questions
Can I get a car loan with no credit history?
No credit history doesn't stop you from applying. We work with lenders who specialize in first-time buyers, and a steady income and a reasonable down payment go a long way. Each lender makes its own decision, so approval isn't guaranteed.
What do I need to bring to buy my first car?
Bring a valid driver's license, proof of income such as recent pay stubs, proof of residence, and proof of insurance. Our finance manager will confirm the exact list.
Can I get pre-approved before I choose a car?
Yes, you can apply online before you pick a car, and if you're pre-approved, it works for any vehicle on our lot. Submitting the application authorizes a credit review by our lending partners, so call us first if you'd like to talk it through.
What should I budget for besides the price?
Plan for the $599 dealer processing fee, Virginia sales and use tax of 4.15% of the sale price, title and registration fees, and insurance. Payment estimates on our site include the tax, the fee, and an estimate for title, tags, and registration, but they're estimates, not offers of credit.
Do I need insurance before I drive away?
Plan on it. Proof of insurance is on the list of things to bring when you buy, so get quotes as soon as you've picked a car.
How long are Virginia temporary tags valid?
Virginia dealer-issued temporary tags are valid for 30 days. They let you drive while the Virginia DMV processes your title and registration.
Questions? Talk to a real person.
Call us at the lot on 25354 Pleasant Valley Rd in Chantilly— we're happy to help over the phone.
Serving Chantilly and Northern Virginia — minutes from South Riding and Centreville, and an easy drive from Ashburn, Fairfax, Herndon, Manassas, Sterling and Reston. Shoppers come to us from across Loudoun and Fairfax counties, and we offer free home delivery within 150 miles with full purchase price.