No Interest Financing


Qualifications for No Interest Financing

In order to qualify for no interest, market value auto financing you must have:

  • a Direct Referral by an organization we work with: United Way, Friends of the Family, Giving Grace, Our Daily Bread, St. Andrew Presbyterian, CASA, Children’s Advocacy Center, Denton Bible, Village Church, DFW Metro Family of Churches, Cross Timbers, First Refuge Ministries, Denton Police Victim Assistance, Christian Community Action, Under 1 Roof, The Samaritan Inn, FOCUS, Cumberland Home, St. Phillips Catholic Church, Abigail’s Arms of Cooke County, Denton Affordable Housing Corp., Texas Muslim Women’s Foundation, Heartland Church, VASH, Salvation Army, Arlington Life Shelter, CCA, Metrocrest, MHMR, Serve Denton.
    ***This means that one of these organizations will need to contact us directly by TEXT OR EMAIL on your behalf detailing your interactions with them. The longer you have worked with them and the more information they can give us about your reliability the better.***

You will also need to meet any two of the following criteria:

  • Full time student as well as working at least 20 hours a week
  • Median income is less than 187% of the poverty line
  • Receiving any kind of government assistance
  • Lost your job within the last month
  • Veteran or active military
  • Single parent
  • Homeless
  • Disabled

Not to Dos

Things that will void our commitment to working on your car are as follows:

  • You fail to pay or, at least, notify us of a late payment
  • You fail to insure the car with at least liability insurance (you must agree to pay for any damage to the car if you don’t have comprehensive insurance)
  • You get the car towed, wrecked, or incur unpaid moving violations (including tolls)
  • You fail to register the car in your name (with Metro Auto Ministry as the lien holder) within a month


  • You will need to pay the car off in 12-18 months depending on our agreed upon finance agreement
  • You will need to provide us with a driver record – costs $20
  • We will add a lien to your car until it is completely paid off
  • You will need to pay TT&L up front or add it into the loan


We get cars at random so the best way to get one is to check back every 2-3 weeks and make sure you have a solid referral from the list above.

***If you check back more than every few weeks or don’t have the appropriate referral you will automatically be put at the bottom of the queue.

Summary Checklist for Car Financing

1. Submit financing form (found below) and verify confirmation email of successful submission

2. Ensure that your DIRECT referral is sent as soon as possible via text or email

3. Send us your driver’s record via email

4. Agree on the amount you can pay down and your monthly payment amount

5. Check in only every few weeks on for new cars being listed

6. Agree on a loan for a car, sign finance agreement with Metro Auto Ministry as the lienholder and pay your downpayment and TT&L

Ready to get started?

If you are ready to apply for financing please fill out the form below.  By filling out this form you understand that this is not in any way a promise of approval.  It simply starts the process of us working with you to potentially secure you a vehicle.

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