We are currently in our pre-launch phase and will begin accepting applications upon receiving our Illinois CILA license. Submit your information below to join our waitlist and be among the first to apply.

How It Works

Getting an auto loan with First Gen Loans is simple, fast, and designed with you in mind. Here is exactly what to expect from start to finish.

Step 1

Apply Online

Starting your application takes just a few minutes and can be done entirely online. There is no paperwork to gather and no branch to visit. We built our process to be simple and accessible for everyone.

When you apply, we will ask for some basic information including your name, address, and either your Social Security number or ITIN. We use this information to verify your identity securely. No hard credit pull is required to get started.

Step 2

Get Your Decision

Once we receive your application we get to work. Unlike traditional lenders who rely solely on your credit score, we use alternative data sources to evaluate your full financial picture. This includes your income, cash flow, and employment history.

We will reach out to you with a decision as quickly as possible. If approved, we will present you with your loan offer including your loan amount, term, and rate. You are under no obligation to accept.

Step 3

Drive & Build Credit

Once you accept your loan offer, we work with you and the dealership to finalize the financing. After that, you get behind the wheel and start your journey. Every payment you make is reported to all three major credit bureaus — Equifax, Experian, and TransUnion.

This means that every on-time payment is an opportunity to build your credit history and strengthen your financial profile. A loan with First Gen Loans is not just transportation, it is the foundation of your financial future.

Ready to Get Started?

The process is simple, fast, and designed for you. Apply today and take the first step toward your American dream.

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