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WebShopping around for your first auto loan? Our First-Time Auto Buyer Program helps young adults get into the car they want at a great rate.* Buyer Requirements: Complete the Interactive course “Coffee Break Finance: Buying A Car” on Kofetime.com, pass the quiz with an 80% or higher, and provide the certificate; Show proof of insurance WebNov 9, 2016 · Obtaining a good used vehicle helps reduce the overall auto cost, and can help a first time buyer qualify for a loan. However, lenders will usually not finance vehicles more than 5 years old or with over 50,000 miles on them. If you want to purchase an older car, you need to spend cash or buy one from a used car lot that offers in-house financing. Web1 day ago · Fact checked by. Vikki Velasquez. The best time to refinance a car loan is when interest rates are low so that you can save money on a new loan compared to your … hoka tor ultra low jalal