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We finance everyone! The more money you put down the newer and nicer the car we can sell you!!! Bad Credit, No Credit, No Problem We finance everyone!!!!


At First Class Cars, we believe that everyone deserves a reliable vehicle and a financing option that works for their situation. That’s why we offer flexible in-house financing, along with traditional bank and credit union financing, all in one convenient place. Our goal is simple: to make car buying easier, faster, and stress-free, no matter your credit history.

Whether you have great credit, challenged credit, or no credit at all, First Class Cars is here to help. We work with customers every day who have faced past financial setbacks, are rebuilding credit, or are buying a car for the very first time. At our dealership, your credit score does not define you. We focus on getting you approved and driving away in a dependable vehicle you can feel confident about.

With our Buy Here Pay Here program, financing decisions are made right here at the dealership. That means faster approvals, fewer obstacles, and a more personalized financing experience. In many cases, we can get you financed the same day, so you don’t have to wait weeks for an answer. The more money you put down, the more options you’ll have available, including access to newer vehicles and lower payment plans.

First Class Cars is proud to say: Good Credit, Bad Credit, No Credit,  No Problem. We work hard to finance everyone and find a payment plan that fits your budget. Our knowledgeable sales team will walk you through every step of the process, clearly explaining your options so there are no surprises.

We also offer special financing programs, including 0% financing on select vehicles for qualified buyers. Availability and terms may vary, so be sure to speak with one of our sales professionals for full details.

Ready to get started? You can apply online today through our secure financing application and take the first step toward getting back on the road. At First Class Cars, we’re committed to helping you drive away happy, because your journey matters to us.

At First Class Cars, quality and transparency come first. We understand that purchasing a used vehicle is a big decision, especially when you rely on your car for work, family, and everyday life. That’s why we take extra care in selecting the vehicles we offer, ensuring our customers have access to dependable, high-quality used cars they can feel confident driving.

Every vehicle on our lot is hand-picked by our experienced team. We carefully evaluate each car for overall condition, reliability, and value before it ever reaches our inventory. Our goal is to offer only vehicles that meet our standards for performance and longevity, so you can shop with peace of mind knowing that quality matters here.

To further protect your investment, every vehicle we sell is eligible for extended warranty coverage, ranging from 90 days up to 5 years, available at an additional cost. These warranty options help cover unexpected repairs and provide added security long after you drive off the lot. Our sales team is happy to explain coverage options in detail so you can choose the plan that best fits your needs and budget.

At First Class Cars, we believe honesty is essential. That’s why we proudly state: No rebuilt titles. No restored vehicles. No salvaged cars, ever. We do not sell vehicles with questionable histories, and we never cut corners when it comes to integrity. What you see is what you get, and we stand behind every vehicle we sell.

Transparency continues with free CARFAX® and AutoCheck® vehicle history reports on every car in our inventory. These reports provide valuable information about ownership history, reported accidents, title status, and more, giving you a clear picture before you buy. We encourage every customer to review these reports and ask questions—because informed buyers make confident buyers.

Visit First Class Cars today and see the difference quality and honesty can make.

At First Class Cars, our customers are at the heart of everything we do. We truly value the trust you place in us, and your satisfaction is always our top priority. We know that buying a vehicle, especially through a Buy Here Pay Here dealership, can sometimes feel overwhelming. That’s why we’ve built our business around honesty, respect, and a stress-free car-buying experience.

One of the biggest differences you’ll notice at First Class Cars is our approach to sales. Our sales associates are non-commissioned, which means their focus is not on pushing you into a vehicle, but on helping you find the right one. There are no high-pressure tactics, no rushed decisions, and no uncomfortable sales pitches. Instead, you’ll be greeted by friendly, knowledgeable team members who are here to answer your questions and guide you at your pace.

We encourage every customer to relax, take their time, and explore their options. Whether you’re browsing our inventory, reviewing financing choices, or discussing warranty coverage, we want you to feel confident and comfortable every step of the way. Our team is happy to explain details clearly and honestly so you can make an informed decision that works for your lifestyle and budget.

At First Class Cars, we believe that buying a vehicle should be a positive experience. That’s why we strive to offer dependable vehicles, flexible in-house financing, and a supportive environment where you never feel judged. No matter your credit history or past challenges, you’ll be treated with respect and professionalism from the moment you walk through our doors.

We don’t just want to sell you a car, we want to earn your business for years to come. Many of our customers return to us again and again, and refer their friends and family, because they know we stand behind our vehicles and our word. When you drive away from First Class Cars, we want you to feel confident knowing you purchased nothing but a First Class car from a dealership that truly cares.

At First Class Cars, our commitment to our customers doesn’t end when you drive off the lot. We proudly service what we sell, because we believe long-term reliability and customer support are just as important as the vehicle itself. Having a dependable car means everything, and our goal is to help keep you on the road with confidence.

First Class Cars features a state-of-the-art service department staffed by experienced, professionally trained technicians who understand the vehicles we sell inside and out. Our service team is dedicated to providing quality repairs and routine maintenance in a timely manner, without unnecessary delays or inflated costs. We know your time is valuable, and we work hard to get your vehicle back to you as quickly as possible.

Because we service our own inventory, you can trust that your vehicle is being cared for by technicians who are familiar with its history and maintenance needs. Whether you need an oil change, brake service, engine diagnostics, or warranty-related repairs, our service department is equipped with modern tools and technology to handle the job efficiently and accurately.

Affordability matters, especially for Buy Here Pay Here customers. That’s why we are committed to offering fair, transparent pricing on all service and repair work. Before any repairs are made, our team will clearly explain what your vehicle needs and provide an honest estimate, so there are no surprises. 

We also understand how important reliable transportation is for work, family, and daily life. A vehicle in the shop can disrupt everything, which is why we focus on quick turnaround times and dependable service you can count on. Our team treats every vehicle with care and every customer with respect.

Scheduling service with First Class Cars is easy and convenient. Simply click to schedule a service appointment online, or speak with one of our friendly service advisors who will help you find a time that works for you. 





Buy Here, Pay Here!

Bad Credit, OK!

Easy Payments!

In-House Financing!

0% Interest Available!
See salesmen for details!

No Credit, OK!

Financing You!

We Are The Bank!






No-Hassle Financing

At First Class Cars, we believe financing a vehicle shouldn’t be stressful or complicated. That’s why we offer No Hassle Financing designed to help you get approved quickly and easily. With us, your job is your credit. If you have steady income, we can help you qualify for an auto loan, even if your credit score isn’t perfect.

We understand that life happens. Medical bills, job changes, past financial challenges, or no credit history at all can impact your score. That doesn’t mean you shouldn’t have access to reliable transportation. At First Class Cars, we look beyond the number and focus on what matters most: your ability to make affordable payments today.

Our in-house Buy Here Pay Here financing allows us to make decisions right at the dealership, eliminating long waits and unnecessary paperwork. There’s no dealing with outside lenders, no endless back-and-forth, and no judgment. Our goal is to get you approved and on the road as quickly as possible.

The financing process is simple, transparent, and pressure-free. Our non-commissioned team will clearly explain your options and help structure a payment plan that fits your budget. In many cases, you can drive away the same day.

If you’re ready for a straightforward financing experience with real solutions, No Hassle Financing at First Class Cars is the answer. Apply online or visit us today and see how easy car financing can be.


Great Vehicle Selection

At First Class Cars, finding the right vehicle is easy because we offer a great vehicle selection designed to fit every lifestyle and every need. Our inventory is carefully chosen to give you options, real options, so you don’t have to settle for less than what works for you.

We stock a wide variety of cars, trucks, vans, SUVs, sedans, and family-friendly crossovers, all in one convenient location. Whether you need a dependable commuter car, a spacious SUV for the family, a versatile crossover, or a hardworking truck or van, you’ll find vehicles that match your daily demands and your budget.

Each vehicle in our inventory is selected with reliability, value, and performance in mind. We understand that our customers depend on their vehicles for work, school, and everyday life, so we focus on offering models that deliver long-term dependability and comfort. Our team regularly updates our selection, ensuring there’s always something new to explore on the lot.

With flexible Buy Here Pay Here financing and a no-pressure buying experience, you can take your time browsing and comparing options until you find the vehicle that feels right. Our non-commissioned staff is here to help, not push.

At First Class Cars, great selection means more choices, better value, and a vehicle you’ll be proud to drive. Stop by today and see just how easy it is to find your next ride.


We Listen To You

At First Class Cars, your voice matters. We believe the best way to grow and improve is by listening to the people who matter most, our customers. Every experience you have at our dealership helps shape how we do business, and we truly want to hear what you have to say.

Whether your visit was exceptional or there’s something we could have done better, your feedback is important to us. We value honest input because it allows us to better serve you and future customers. From your first interaction with our team to your vehicle purchase, financing experience, or service visit, your perspective helps us continue raising the standard.

We take customer feedback seriously and use it to improve our inventory, our financing process, and the overall dealership experience. When you share your thoughts, you’re not just leaving a comment, you’re helping us create a better, more customer-focused environment.

If a team member made your experience especially positive, we’d love to know. If something didn’t meet your expectations, we want the opportunity to make it right. Our goal is always to provide respectful service, clear communication, and a stress-free experience you can feel good about.

Thank you for choosing First Class Cars. Please take a moment to share your experience with us, we’re listening, and we appreciate your feedback.





WELCOME TO First Class Cars!

We have been selling good cars to good people since 1984.

We are a family owned and operated business. Bad credit, no credit, we finance everyone!!

Please feel free to browse our online virtual showroom, and call us @ (801) 328-0098 for more information!.

First Class Cars

5.00     7 Reviews







We specialize in helping good people with no credit, bad credit and even good credit is ok too! Our down payments vary based on car, application, job history, drivers license status and several other factors that our credit specialist factors into consideration. We try to help our customers to make sure we can get you into an affordable loan to fit your budget. Most of our customers are paid off within 1-2 years we specialize in short term loans. Almost all our competitors will try to put you into a 7-8 year loan we are the opposite and do our best to help our customers rebuild your credit. The down payment varies on every vehicle it is not a one size fits all situation, we try our best to work with everyone the best we can. Please apply today or come in and talk to one of our credit specialists. All listed prices do not include taxes, licensing dealer fee and financial charges. Please talk to a sales rep today for all details.


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