First Time Buyer's Program

Limited Credit? No Credit? You can still get into a Nice Used Vehicles.

T & L Auto Sales is pleased to announce our First Time Buyer’s Program – a payment plan designed for customers with limited or no credit. The First Time Buyer’s Program is available on vehicles, $8000 and under.

You are eligible for this offer if you:

  • Must have a valid Drivers License
  • Have a Minimum of a $250 down payment
  • No Negative Credit
  • Meet our income requirements
  • Meet our employment requirements


You must be able to satisfy your monthly obligations with your current monthly income.

You must Work, Live, or Worship in Minnehaha, Lincoln, or McCook County.


You must be 6 months in your current job and current residence, or a qualified co-buyer is Required.

If you meet the eligibility requirements listed above, you will qualify for financing under our First Time Buyer program. Establishing good credit under our program, by making your payments on time, will make it easier for you to obtain financing in the future. You will have good credit history in no time. T & L Auto Sales is here to help you get started shop smart, buy smart.