Used Car Lots With Low Down Payments Near Me In Houston Texas (2023)

Used Car Lots With Low Down Payments Near Me In Houston Texas

Used Car Dealerships With In House Financing Near Me Options At Houston Direct Auto

If you’re searching for affordable used vehicles, but have no credit or bad credit, Houston Direct Auto has in-house financing options that you’d want to consider. Houston Direct Auto – Used Car Dealer Near Me specializes in providing in house auto financing near me at competitive rates starting as low as 2.49% APR! Loan interest rates all depend on your credit score. With a bad credit score, banks or credit unions may provide a loan with high interest rates or may not accept your loan application at all. When you are already struggling with a low credit score, taking a loan with a high rate of interest might be a step you must take in order to rebuild your score. With Buy Here Pay Here In House Financing in the Houston area, you need not worry about your credit score anymore. The good news is that, here at Houston Direct Auto, we do financing based on job time and income – which means if you have bad credit or no credit we have an option for you.

Call us at (832) 252-1400 to discuss your in-house financing options. Our friendly staff will help you get the auto loan approval. Servicing the greater Houston area, including The Woodlands, Sugar Land, Baytown and Conroe, Houston Direct Auto is anin house financing auto sales near me – FindIn House Financing Cars Near Meat the best price in Houston, TX.

(Video) $99 Down Car Payments for Used Cars in Houston Texas. Bad Credit Car Lots for Houston TX

Used Car Dealer Near Me – Benefits of In-House Financing

In-house financing has many advantages for used car buyers. Not only does it guarantee that you can get the keys in your hands quicker, but you’ll also save money in a variety of ways. First of all, Used Cars In House Financing Near Me at Houston Direct Auto benefits people with credit issues by helping them know sooner rather than later. They’ll know whether or not they’ll be financed, and for how much. Since Houston Direct Auto has a variety of loan options, you have a higher chance of getting that auto loan you’ve been needing! With in-house financing at Houston Direct Auto – In House Financing Houston. You’ll receive a faster and smoother purchasing process, competitive rates, easier auto loan qualification requirements and the largest selection of used affordable vehicles in the greater Houston area. With all of these benefits put together, you’ll not only be thinking that Houston Direct Auto is one of the “Best Used Car Lots Near Me” but also one of the “best in house finance car lots near me.

If you feel we are able to fulfill all your needs related to In House Financing Houston TX and the right choice for you, just make a call or you can fill out a simple credit pre-approval form on the website to start the procedure to get the right financial package for you. If you have more questions or any concerns regarding our in-house loan options, give us a call at (832) 252-1400 and a member of our finance department will be happy to help. We welcome customers like friends and are dedicated to getting you the best car that fits your situation and lifestyle.

In-House Financing Break Down

In-house financing works when Used Car Dealerships process your loan application internally, instead of reaching out to an outside bank. If you are worried that your bank or credit union may not approve your car loan, in-house financing is the best option for you. With low APR starting at 2.49%, Houston Direct Auto – Dealerships That Finance Near Me, will work with you to find the best financial options that will fit your situation. At Houston Direct Auto, once we’re finished processing your loan application, you’re free to choose any used vehicle that fits your loan amount from our used car lineup.

(Video) Used cars no down payment Houston TX

What’s even better is that Houston Direct Auto – one of the best Car Lots in Houston Texas has the most reliable and affordable used vehicles in the Houston area. Pick from an affordable selection of used trucks, sedans, SUVs, coupes, convertibles, and minivans. We’ll have you riding in a used car that you love at a price you love. Now’s the time to stop by the dealership at1901 Little York Dr., Houston, TX, 77093 phone# (346)-319-2235 and check out our inventory. Our friendly staff members will help any way that we can to get you the quality used vehicle that you need.

Call (832) 252-1400 to Learn More About Our In-House Financing Options

Used Car Loans for Bad Credit?

If you’re searching for a Car Lot In Houston TX that helps you own a vehicle while having no credit or bad credit issues, you should stop by Houston Direct Auto today! Here, we have an extensive collection of user vehicles of several makes and models. We help car shoppers at Used Car Finance Near Me with no credit or bad credit issues by offering dozens of in house financing options. Our staff is ready to help you with owning your dream vehicle in the greater Houston area, including The Woodlands, Sugar Land, Baytown, and Conroe. When you come to Houston Direct Auto, your credit history doesn’t follow you. All you need to get approved for the car loan at our On Lot Financing Near Me is a proof of your address, proof of your income and identification.

Besides offering in house financing options at our Houston Car Lot, we also take care of providing quality used cars to buyers. Plus, we always give our customers a limited warranty and a free CARFAX vehicle history report to ensure our customers are satisfied and have confidence in our product. So, you can easily choose your dream vehicle from 100’s of certified used vehicles at Car Lots Around Me. If you don’t know which used vehicle can be great for you, our experienced staff will help in choosing the right car with their knowledge and skills.

(Video) auto loans for bad credit with no down payment Houston Texas. No Money Car Payments in Houston TX

Contact our team today to learn more about our renowned in-house financing options and secure your used car loan right away at one of the best Used Car Lots Houston Texas.

Trade In Your Vehicle –Used Car Dealerships

To lower your out of pocket cost, you can also trade in your current vehicle to Houston Direct Auto – Used Car Lots Houston TX. Not only does it save you time, but Houston Direct Auto makes this process fast and simple. You won’t have to go through the hassles attempting to sell your vehicle yourself. Our same-day on the spot offers are valid for up to 10 days. Come in to get the value of your vehicle today and leave with a used car that you’ve been dreaming of getting through In House Financing Dealerships. Trading in your vehicle will allow you to use that trade in value as part of your down payment for your affordable used car purchased at Houston Direct Auto – reducing the amount you’d need to finance. If you’re longing to upgrade your car, trade it in and purchase a used car from us, get the best car deals in Houston. Give us a call or stop by our dealership to check out our affordable used car inventory. Here at Houston Direct Auto – Used Car Lots With Low Down Payments, we’ll help you find the right car for the right price in Houston, TX.

Find The Best Used Car Lots Near Me – Affordable Cars, Trucks and SUVs at Houston Direct Auto

Houston Direct Auto – one of the best auto lots near me has the largest selection of affordable used cars. Since we get new inventory coming in weekly – our lineup is constantly updated. See something you like, purchase it quick before it’s gone and become one of our thousands of happy customers. We offer a high-quality lineup of used vehicles of all makes, models and most importantly, prices! Here, we find the right vehicle for the right price. Houston Direct Auto offers the largest selection of affordable used Toyotas, Hondas, Scions, Nissans, etc. that the greater Houston area has to offer. Once you purchase your used vehicle from Houston Direct Auto, instead of thinking about buying a brand new overpriced vehicle again, you’ll be thinking of the Used Car Lots Near Me.

(Video) Bad credit $99 down car payments in HOUSTON Texas - Houston Area Low Payment Car Lots

Dedication to Our Customers –Cars With Financing Near Me

Houston Direct Auto – Used Car Dealership With Financing , treats the needs of each customer with the utmost concern. Every customer has a different set of used car expectations and concerns. As one of the best used car dealerships, where you can find Used Cars With Financing Near Me, we understand these concerns, and we will do our best to assure you that our used vehicles are both affordable and reliable. We here at Houston Direct Auto, enjoy reaching and exceeding those standards and expectations every time. One of the things that make Houston Direct Auto different from our competitors is our total dedication to servicing our customers. We believe in making your car owning dreams come true with easy finance and the widest range of models of cars all available under one roof – Used Car Dealerships In House Financing. If you have any questions, concerns or would just like to say “hi” give us a call at (832) 252-1400 or stop by our dealership at 1901 Little York Dr., Houston, TX, 77093 phone# (346)-319-2235.

Contact Us

Good credit, bad credit, no problem. Houston Direct Auto is your used car dealership that has options for Cars With Financing Near Me for people who may have bad credit, no credit, are bouncing back from bankruptcy, divorce, prior vehicle repossession, etc. If you’re searching for In House Financing Car Lots Near Me, look no further, Houston Direct Auto in the greater Houston area is your go-to used car dealership.

Can you already picture getting behind the wheel of one of our used vehicles? If so, then let’s start discussing your different Cars With Financing Near Me options. Our finance team is dedicated to keeping you within budget and is prepared to explain our car loan options. By the end of it, you’ll know exactly what it will cost to get you behind the wheel of your pre-owned car, cruising the streets of Houston, The Woodlands, Sugar Land, Baytown, and Conroe, at an affordable price. Call us today at (832) 252-1400 to speak with one of our knowledgeable staff members regarding purchasing a quality used car and ask about our different finance options or stop by the Car Finance Company Near Me at 1901 Little York Dr., Houston, TX, 77093 phone# (346)-319-2235 and check out our inventory. We’ll be glad to see you.

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Call (832) 252-1400 to Speak with Our Staff Regarding In-House Financing Options


What credit score is needed to buy a car with no down payment? ›

What Credit Score Do I Need to Buy a Car? Generally speaking, banks require a minimum credit score of 600 to give an auto loan without any down payment. However, you CAN buy a car with a score of 400 or a score of 850.

Does DriveTime do a soft credit check? ›

Does DriveTime do credit checks? Yes, we will run a credit check. But don't worry! Your credit report and score isn't the only factor we take into consideration when building your customized approval.

How long can you hold a car with a deposit? ›

If you place a holding deposit on your car of choice, the dealership usually holds the car for one to five business days. Different dealerships will have different rules regarding deposits, so talk to your dealer for more specifics.

Does Carvana use credit? ›

No. When you pre-qualify with Carvana, you see real, personalized terms without affecting your credit score. Though your terms will not change, we do complete a formal credit inquiry when you schedule your delivery or pickup.

Can I get a car loan with a credit score of 500? ›

It's possible to get a car loan with a credit score of 500, but it'll cost you. People with credit scores of 500 or lower received an average rate of 13.97% for new-car loans and 20.67% for used-car loans in the second quarter of 2020, according to the Experian State of the Automotive Finance Market report.

What is the minimum down payment for a car? ›

What is the minimum down payment for any car loan? As a general rule, you will have to pay a minimum of 10% of the car value as a down payment. Some lenders/banks offer car loans up to 90% of the on-road price.

How does DriveTime verify income? ›

Proof of income (determined through a pay stub, bank statements and/or employer verification) Proof of auto insurance (we can help you obtain insurance if you don't already have a provider) Proof of residence (utility bill, lease agreement, etc.)

How can I get my car without a pay stub? ›

If you cannot produce pay stubs, your lender may ask for copies of tax returns. Be prepared to produce tax returns for at least the past two years. Since your tax returns report all of your taxable income, they may serve as an adequate proof of income for your loan.

How does DriveTime approval work? ›

Approval FAQs

It only takes two minutes to get approved online. Simply fill in your name, address, monthly income, date of birth and social security number and you will get your approval and down payment information all from the convenience of your phone. You can also get approved in person at any DriveTime dealership.

How do you pay for a downpayment on a car? ›

The most common form of down payment is cash or its equivalent. Dealerships generally accept personal checks, money orders or even credit cards. You can also trade-in your vehicle as a form of down payment for your purchase.

Can you return a used car if it has problems? ›

You do not need to allow the supplier to repair or replace the goods, you can demand a refund as soon as you become aware of the defects. The Motor Industry Ombud does not share our view and will recommend that the vehicle be repaired if possible, even if it is contrary to the wording of the CPA.

Is a holding deposit on a car refundable? ›

When you give a car dealer a deposit, it is considered an upfront or initial payment on a car. As a rule, it is not refundable unless specific circumstances apply. When buying a car from a dealership, the dealer will want two things: a signed contract and/or a deposit.

Does everyone get approved for Carvana? ›

Every car is Carvana Cartified. Only one out of every 20 cars evaluated gets approved.

How can I get a low down payment on Carvana? ›

Some options to lower your down payment include: Trading in a vehicle that you could apply to your purchase. Any positive trade credit will be applied towards your down payment. You can fill out the trade application here.

Do you have to have a down payment with Carvana? ›

It's important to note that Carvana requires a down payment on all of its vehicles. The minimum level of that down payment depends entirely on the price of the vehicle being purchased, and it's also nonnegotiable. However, it can be reduced or offset with the trade-in of another car.

What credit score is needed to buy a car without a cosigner? ›

There is no set credit score you need to get an auto loan. If you have a credit score above 660, you will likely qualify for an auto loan at a rate below 10% APR. If you have bad credit or no credit, you could still qualify for a car loan, but you should expect to pay more.

What is considered bad credit? ›

FICO considers a credit score to be poor if it falls below 580. According to FICO, a person with a FICO score in that range is viewed as a credit risk. Why? Their research shows that about 61% of those with poor credit scores end up delinquent on their loans.

What is a decent credit score to buy a car? ›

In general, lenders look for borrowers in the prime range or better, so you will need a score of 661 or higher to qualify for most conventional car loans.

How much should you put down on a used car? ›

In general, you should strive to make a down payment of at least 20% of a new car's purchase price. For used cars, try for at least 10% down. If you can't afford the recommended amount, put down as much as you can without draining your savings or emergency funds.

How much is a monthly payment on a 25000 car? ›

Rates and terms are subject to change without notice. Example: A six year fixed-rate loan for a $25,000 new car, with 20% down, requires a $20,000 loan. Based on a simple interest rate of 3.4% and a loan fee of $200, this loan would have 72 monthly payments of $310.54 each and an annual percentage rate (APR) of 3.74%.

What is zero down transaction? ›

Zero down payment financing is a payment facility in which your financier pays the entire cost of your product, not requiring you to pay anything upfront. Normally, you need to make a down payment of 5% to 20% of your product's purchase price and pay the rest via EMIs. Here, this initial expense is eliminated.

Can I get car loan with 600 credit score? ›

Can I get a car loan with a 600 CIBIL™ score? Yes. It is possible, to get a car loan with a low credit score. But the downside is that you are likely to be charged a higher interest rate compared to borrowers with an excellent credit score in the range of 750 and above.

What credit score should I have to buy a car? ›

What Is the Minimum Score Needed to Buy a Car? In general, lenders look for borrowers in the prime range or better, so you will need a score of 661 or higher to qualify for most conventional car loans.

What credit score do you need to buy a car in 2022? ›

For best results, you should aim for at least a FICO score of 660 before applying for a new car loan.

What credit score does a car dealership use? ›

Auto dealerships use the FICO credit bureau, which stands for Fair Isaac Corporation. They also use the FICO Auto Credit Score, which has a range of 250 to 900. This may mean that an auto dealer has a different credit score for you than the one you see on your personal credit report.

What credit score is needed to buy a car without a cosigner? ›

There is no set credit score you need to get an auto loan. If you have a credit score above 660, you will likely qualify for an auto loan at a rate below 10% APR. If you have bad credit or no credit, you could still qualify for a car loan, but you should expect to pay more.

Which credit bureau is most used for auto loans? ›

In conclusion, auto lenders use Equifax and Experian the most, while TransUnion is less used for auto loan credit checks, at least in some parts of the US.

What credit score do you start with? ›

The base credit scores of the most popular credit-reporting models start at 300. Starting with a score of around 300 is possible only if you've managed your finances poorly. You may start to build a credit history or improve your score without using any type of credit.

What is the lowest credit score? ›

The FICO® Score , which is the most widely used scoring model, falls in a range that goes up to 850. The lowest credit score in this range is 300. But the reality is that almost nobody has a score that low. For the most part, a score below 580 is considered "bad credit." The average FICO® Score in the U.S. is 704.

How accurate is Credit Karma? ›

Here's the short answer: The credit scores and reports you see on Credit Karma come directly from TransUnion and Equifax, two of the three major consumer credit bureaus. The credit scores and reports you see on Credit Karma should accurately reflect your credit information as reported by those bureaus.

How fast will a car loan raise my credit score? ›

When you make a timely payment to your auto loan each month, you'll see a boost in your score at key milestones like six months, one year, and eighteen months. Making your payments on time does the extra chore of paying down your installment debt as well.

What is a good used car loan rate? ›

Average interest rates by credit score type for new and used car purchases
Credit score categoryAverage loan APR for new carAverage loan APR for used car
Subprime (501 to 600)10.87%17.29%
Non-prime (601 to 660)6.70%10.48%
Prime (661 to 780)3.56%5.58%
Super Prime (781 to 850)2.40%3.71%
1 more row

How much of a loan can you get with a 600 credit score? ›

How much of a loan can I get with a 600 credit score? Depending on the lender, you might be able to get a loan for up to $50,000 with a credit score of 600. One way to shop for amounts and rates is to apply using an online platform like Acorn Finance.

What is the average credit score by age? ›

The average FICO credit score for Americans rose to 711 as of July 2020,1 a number that's been steadily rising since the Great Recession. By most lending standards, 711 is considered a “good” credit score.
Average Credit Score by Age.
AgeAverage FICO Score
1 more row

When's the best time to buy a car? ›

The best time to buy a car is usually around the end of the year since salespeople will be trying to meet their quotas and may offer steep discounts. However, you should also consider holidays and the beginning of the week.

What do car lenders look for? ›

Lenders should assess your income, assets, employment, credit history and monthly expenses to determine that you're able to pay back the loan. When you're applying for your loan, you'll want to take copies of your pay stubs from the last month, showing the total of what you've been paid year to date.

Which credit score is most important? ›

Your Credit Score Is The Most Important Score You Should Know
  • Payment History – this is the most important and accounts for 35% of your FICO 8 Score. ...
  • Credit Usage – the amount of credit you are using accounts for 30% of your credit score. ...
  • Length of Credit History – A long credit history accounts for 15% of your Score.
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