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About us
Your Trusted Auto Finance Partner in Pakistan
At First Alpha Auto, we believe everyone deserves the chance to own a vehicle—without financial stress. That’s why we offer easy, fast, and flexible car financing solutions tailored to your needs.
Whether you have a strong credit history or you’re just starting out, our goal is simple: to help you get behind the wheel with confidence. With a strong network of trusted lenders and dealers, we ensure you get the best possible financing terms—at rates you can afford.
Xue Benchuan
Beijing, China
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Founded in 2012, 91 Credit started out as an online blacklist of borrowers in default. In 2015, Xue transformed the company into a consumer credit platform. It works with China's private lenders, such as peer-to-peer lenders Dianrong and China Rapid Finance, to provide borrowers credit histories and assess their creditworthiness. The company says it now has 300 registered users and processes 100,000 credit information checks daily.
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Meet Our Team
First Alpha Auto, our strength lies in the people behind the process. Our experienced, customer-focused team is committed to helping you find the best auto finance solutions—quickly, transparently, and with care.
Frequently Asked Questions (FAQs)
Anyone aged 21 or older with valid identification and proof of income can apply. We accept both salaried and self-employed individuals.
Yes! We provide financing options for both new and used vehicles.
Absolutely. We specialize in helping customers with bad credit, limited credit history, or no credit at all.
Most applications are processed within 24 hours. In some cases, even faster.
Valid CNIC
Proof of income (salary slip or bank statement)
Proof of residence (utility bill)
Vehicle details (if already selected)
Down payment depends on your selected vehicle and credit profile, but we offer low down payment plans starting from as little as 20%.
We offer flexible terms ranging from 12 months to 60 months (1–5 years).
Yes, early payoff is allowed. Terms may vary, so contact our team for details on prepayment options.
First Alpha Auto, we make auto finance fast, flexible, and stress-free. Whether you’re buying your first car or upgrading to a newer model, our loan solutions are tailored to match your budget and credit profile.