A US teenager has been charged after reportedly pointing a gun at her mother, pistol-whipping her, and forcing her into a car.

And all because the 17-year-old girl wanted a new car.

The trouble started when a car salesman at a local dealership told the Rachel Anne Hochero she could not sign for a loan by herself, and would need to be accompanied by an adult.

Ms Hochero reportedly got into an argument with her mother on the phone, because she refused to help her daughter with the loan.

The teen drove home, where she allegedly became infuriated and pulled out the gun, and forced her mother to drive to the Nissan dealership.

The girl's mother chose not to press charges because her daughter had recently been "accepted to several Ivy League schools".

Police decided to press charges after discovering the gun was stolen.

The girl has been charged with aggravated assault with a deadly weapon without intent to kill.