🚗 Auto Financing FAQ – Brivisto

Helping You Finance a Vehicle — With or Without an ITIN

At Brivisto, we believe everyone deserves access to fair, honest vehicle financing — no matter their immigration status or credit history. Whether you have an ITIN, no ITIN, or no credit at all, our team is here to guide you step-by-step through the auto financing process so you don’t get taken advantage of.

We work with a network of dealers and lenders who understand your situation and are ready to help — fairly, transparently, and without the tricks other places use to trap buyers in bad deals.

1. Can I finance a car without a Social Security Number or ITIN?

Yes, you can. While having an ITIN or SSN can help, Brivisto works with lenders and dealers who finance clients with neither. We help individuals who:

  • Have an ITIN

  • Have no ITIN

  • Recently received a new SSN

  • Cannot prove income

  • Do not have a driver’s license (in certain states)

Each client’s situation is unique — and we know how to match you with the right program to help you get approved.

2. What is an ITIN, and how does it help me finance a vehicle?

An ITIN (Individual Taxpayer Identification Number) is issued by the IRS for individuals who don’t qualify for a Social Security Number. It allows you to file taxes, build credit, open accounts, and yes — finance a car.

Having an ITIN gives you access to certain lenders who work with non-citizens. However, just having an ITIN isn't enough — you still need the right documentation, preparation, and dealership partner. That’s where Brivisto comes in.

3. Why do people overpay when financing with an ITIN or no credit?

Unfortunately, many people in immigrant communities are taken advantage of when buying a car because:

  • They don’t know their financing options

  • They trust the wrong dealerships

  • They’re unaware of their rights

  • They lack credit or documentation and are told “you have no choice”

As a result, they get stuck with inflated prices, high interest rates, long loan terms, or hidden fees.

At Brivisto, we prevent this by connecting you with honest lenders, explaining your options clearly, and guiding you through the entire process — so you don’t get trapped in a bad deal.

4. How is Brivisto different from a typical dealership or credit repair company?

Most dealerships are focused on selling you a car at any cost, and they make money by placing you into high-interest loans. Credit repair companies may try to "fix" your score, but they don’t have real industry knowledge or access to dealer/lender networks that accept non-traditional credit clients.

Brivisto is different because:

  • Our team includes former auto industry professionals who know the dealer game from the inside

  • We work for you, not the dealership

  • We connect you with dealers that understand ITIN and no-SSN financing

  • We can help prepare your documents, even if your income is hard to prove

  • We help you build credit the right way to prepare for better future purchases

5. What if I can’t prove my income or don’t have a traditional job?

That’s not a problem. Many of our clients work cash jobs, freelance, or are paid under the table — which traditional lenders see as a risk.

We work with lenders and programs that accept alternative forms of income verification such as:

  • Bank deposits or transaction history

  • Signed employer letters

  • Self-employment documentation

  • Personal references in some cases

Let us help you gather what you need to qualify.

6. Will I still get a good deal if I don’t have credit or documentation?

Yes — if you work with the right partner. That’s what we’re here for.

Brivisto’s relationships with immigrant-friendly dealers and lenders allow us to help you:

  • Avoid excessive interest rates

  • Get access to reasonable down payments

  • Choose from reliable new or used vehicles

  • Avoid scams and overpriced vehicles with mechanical issues

We negotiate on your behalf to protect your interests — not the dealership’s.

7. Can financing a car help me build credit?

Yes — and that’s a major benefit. When structured properly, an auto loan can:

  • Help build a strong credit history

  • Show on-time payments on your credit report

  • Set you up for larger purchases, like a home or business financing later

We guide you through building personal or business credit so that this car loan becomes an investment in your financial future.

8. What should I expect when working with Brivisto?

When you work with Brivisto, you’ll receive:

  • A dedicated account executive to walk you through the process

  • Support with all required documents

  • Direct referrals to our trusted dealer network

  • Education on your rights and options

  • Help understanding loan terms before you sign anything

We're not just here to help you get a car — we're here to help you buy smarter, protect your money, and build your future.

💬 Ready to Start? Have Questions?

Don’t get robbed. Get informed.
Call us today and take the first step toward owning a car — the smart, safe, and affordable way.

📞 848.668.4151
🌐 www.brivisto.com