Income-Based Car Dealership • Nashville & Middle Tennessee

Need a car but concerned about your credit?

Talk directly with Tequan “TQ” Daly at First Class Auto Sales LLC in Nashville. TQ helps buyers review income-based financing, buy here pay here, fresh start, and first-time buyer options, including no credit, rebuilding credit, bankruptcy, repossession, self-employment, short job time, no driver’s license, or bad credit car financing situations. You work with TQ directly, not a call center.

📞 Call or Text TQ Start Here

First Class Auto Sales LLC • Ask for TQ • Nashville, TN • 615-609-1490

Featured approval story

From the first call to keys in hand

Real customer stories and photos are shared only with permission. This featured story highlights a customer who left approved and rolling after working directly with TQ.

TQ standing with a smiling customer beside a vehicle with a large red bow outside First Class Auto Sales at night

Story of the Week

“Should I call my uber now”?

🙏🏾🙌🙇🏾‍♂️ “Should I call my uber now”? She asked as my boss and I were fighting for her behind the scenes, just how our God is fighting battles for us while we sleep and go about our days… We think nothing is working and give up hope… I said, “nope not yet” I told her she was going to be number 3 !!! And as of 930pm tonight!!! She was number 3!!! She will now get to work in a new Toyota Scion!!! Where else can you get a Toyota $500 down, $248/mo payment/ First Class Cars Daly #WontHeDoIt #whoisnext 615-609-1490

Read the original Facebook post • www.tqdaly.com

Illustrated customer standing beside a silver vehicle with a large red bow outside First Class Auto Sales at night

Customer Review

“TQ was a blessing to work with”

Google review from Evelyn Brame showing five stars and her review of TQ

“TQ was a blessing to work with and I was able to get home after a long day! Thank y’all!”

Evelyn Brame • 5-star Google review

Situation TQ helps with

Fresh start after bankruptcy

Situation: Rebuilding credit after a bankruptcy filing.

How TQ helps: Reviews fresh start and recent-bankruptcy programs based on your timeline.

Result: Clear next steps instead of a quick “no.”

Ask TQ if this fits your situation — 615-609-1490.

Situation TQ helps with

First-time buyer

Situation: Never financed a car before, little or no credit history.

How TQ helps: Explains what to expect and reviews first-time buyer options.

Result: A clearer plan before you apply.

Call to talk it through — 615-609-1490.

✓All credit situations welcome ✓Income-based financing ✓Buy here pay here ✓Bankruptcy & repo OK ✓First-time buyers welcome ✓No driver’s license options ✓Active military discounts — ask how

Built for real situations

Financing programs TQ offers

Every credit situation is different. TQ can review the programs available and help you understand which option may fit your income, credit history, and down payment.

First-Time Buyer Program

Never financed before? TQ can explain what lenders usually look for and what to bring.

Recent Bankruptcy Program

Rebuilding after Chapter 7 or 13? Ask TQ which fresh start options may be available.

Fresh Start Program

Past credit issues do not have to stop the conversation. TQ can help you understand the next step.

Zero Down Program

Ask TQ whether zero-down options are available for your situation.

Recent Repossession Program

Even after a repo, financing options may still be available.

No Driver’s License Financing

No license? Financing may still be possible. TQ can explain what is required.

Short Job Time Financing

New job? Short job time may still work with income-based financing.

Self-Employed Financing

1099 and business income may qualify. Bring recent bank statements or income records.

Lot Financing / BHPH

The dealership may handle financing in-house instead of sending you to an outside bank.

Flexible Financing Programs

Programs for buyers who have been turned down elsewhere. Call TQ to review your options.

Program availability and approval terms vary by situation. Final approval depends on income, vehicle selection, required documents, down payment, and lender or dealership requirements. Call TQ at 615-609-1490 for details.

📞 Call TQ to Talk Options

Credit repair resource

Working on your credit? Start here.

A stronger credit profile can help open up more financing opportunities over time. If you are rebuilding, cleaning up old accounts, or trying to understand what is hurting your score, TQ can point you toward a credit repair resource to help you take the next step.

Use the link below to start through TQ’s recommended credit repair connection. Results and timelines vary, but getting organized now can help you prepare for future vehicle financing conversations.

Start Credit Repair

Credit repair may help you:

Review your credit report for errors or outdated information
Build a plan to address negative items
Get clearer before your next vehicle financing step

Credit repair is a separate service. No specific score increase, approval, rate, or financing outcome is guaranteed.

Why people call TQ

A better way to buy

No runaround and no pressure. Just a straightforward conversation about your situation.

Direct contact with TQ

You talk with Tequan “TQ” Daly directly. No call center and no getting passed around.

Built around your situation

The conversation starts with your income, credit history, and goals, not a generic script.

Clear next steps

You leave with clear next steps and financing options explained in plain language.

Ready to talk through your options?

The fastest way to start is a quick call or text. TQ will ask about your situation and walk you through financing options that may work for you. Simple, direct car financing help in Nashville.

615-609-1490

📞 Call TQ Now 💬 Text TQ

Have these ready

Government ID or driver’s license
Proof of income — most recent pay stub(s); for 1099/self-employed, bring the last 3 months of bank statements; Social Security or VA award letter; or Active Military LES
Proof of residence — any dated piece of mail from the last 30 days with your name and address, a utility bill, or bank statement
Down payment info (if you have one)
A few personal references
Any trade-in details (optional)

Need to print? Computers and printers are available to email and print needed documents.

Active military discounts available. Ask TQ how.

Mandatory FAQ • Common questions

Common questions

The questions buyers ask most before they visit TQ. Bring your documents, come in person, and TQ will walk you through your options.

How much do I need for a down payment?

“We don’t have SET down payments, we aim to work with what you have available for a down payment. Just bring all you can, and we will deal with the rest IF we need to”

Do you pull credit?

“None of the approvals are based on credit, only income, we do view credit for Identity purposes”

Do you finance bad credit?

“We specialize in bad, poor, no credit and credit challenges. We can finance anyone

What are my payments monthly?

“All the payments are income based so they are never more than you can afford”

Are you buy here pay here?

“Both, we have all types for financing, we can finance anyone, and keep in mind the website only has 70% of the inventory, it’s a lot more on the lot and we get new vehicles everyday”

Can I send all my documents and get approved before I come in?

“Being prepared and organized is a great quality, but for compliance purposes and the privacy act, you must be present in person to give that type of sensitive documentation, and we have 100% approvals anyway, no one gets turned down!

What will be my interest rate?

“All the rates are RISK based, there are rates as low as 5.49% you will get the rate you deserve and it’s generated in financing”

Do I need insurance to pull off the lot?

“We want you to pick a car, test drive, make sure it fits your needs and budget, and we have plenty of people to recommend you for insurance”

More financing FAQs

Additional questions

Can I get financed if I have credit challenges?

Yes. TQ works with buyers across the credit spectrum, including no credit, rebuilding credit, past credit challenges, and bad credit car financing situations. The first step is a quick call so he can understand your situation and walk you through financing options that may fit. Call or text 615-609-1490.

What if I’ve had a recent bankruptcy or repossession?

A recent bankruptcy or repossession does not automatically disqualify you. First Class Auto Sales offers fresh start and recent-bankruptcy programs for buyers rebuilding credit. Call TQ to review your timeline and options.

Do you work with first-time buyers?

Yes. TQ works with first-time buyers who have little or no credit history. He will explain what to expect and help you understand which financing options may fit your situation. Call or text 615-609-1490.

What if I’m self-employed or have short job time?

Self-employed income, including 1099 work, may qualify. Short job time may also be workable. Income-based financing looks at what you earn, not only how long you have been at a job. Have recent bank statements or pay records ready when you call.

Can I get a car without a driver’s license?

Financing may still be possible without a driver’s license. First Class Auto Sales has no-driver’s-license financing options. Call TQ to confirm what you need and whether the program fits your situation.

What do I need to bring to apply?

Bring a Government ID or driver’s license, proof of income such as recent pay stubs, last 3 months of bank statements for 1099/self-employed buyers, Social Security or VA award letter, or Active Military LES, and proof of residence such as dated mail from the last 30 days with your name and address, a utility bill, or bank statement. Computers and printers are available to email and print needed documentation. Active military discounts are available; ask TQ how.

How does the income-based financing work?

Income-based financing reviews what you earn each month so the payment can fit your budget. TQ reviews your income, discusses available options, and explains the next steps in plain language. Call 615-609-1490 for details.

What is buy here pay here / lot financing?

Buy here pay here (BHPH), also called lot financing, means the dealership may handle the financing in-house instead of sending you to an outside bank. It can be an option when traditional financing is not available. Ask TQ whether lot financing fits your situation.

Ready to speak with TQ?

Call or text Tequan “TQ” Daly directly. Tell him your situation, and he will walk you through financing options, available programs, and clear next steps. No pressure and no runaround.