Houston Auto Loans with Low Credit Score

Houston Bad Credit Car Loans

As someone looking for bad credit used car loans in Houston, it's important to remember that just because a used car dealer happens to sell cars near a major Houston freeway does not mean the dealer has the right kind of cars for bad credit. A used car dealer's inventory also has to be adjusted for sub prime lending.

Every car in the dealers inventory has to meet sub prime lender guidelines in terms of mileage and year. The used car also needs to be priced at or below NADA or Kelley wholesale, since sub prime lenders base their "advance" (how much they will finance) on these figures. Without the correct inventory, the dealer can't sell any of the used cars on the lot to sub prime customers.

Bad Credit Used Car Inventory Houston TX

We have been helping get car loans for real bad credit in Houston TX since 1997. AutoNet Financial can help you get the best price on a bad credit used car loan in Houston, TX. The inventory below is directly from bad credit used car dealers in Houston and all used cars listed are under $10,000. If you know you have bad credit, however, we recommend completing the online finance application first.

    Got Three Minutes? Apply Online. Get Approved. Get Your Car. Get Started

    Sub Prime Used Car Loans

    The truth about Houston car dealerships that offer bad credit car loans is that there are fewer and fewer consumers with “perfect credit” in the current economy. In that regard, you shouldn’t approach the car buying process thinking that you can’t get approved for a new or used car loan with a credit score below 640 that includes bad credit or a bankruptcy. You will find similar results from most San Antonio bad credit car loan programs offer competitive (for your credit score) interest rates and a common sense qualification process.

    In addition to documentation and inventory issues, there is the large number of the Houston bad credit used car loan lenders have varying programs they offer. Most Houston subprime lenders have at least five "tiered" programs and each program can have its own set of requirements. Without a knowledgeable special finance department, keeping track of the lenders and programs is impossible.

    The solution to the problem of finding bad credit used car loans Houston is to use our bad credit loan application. We have helped thousands of people with bad, blemished, bruised and tarnished credit buy cars and reestablish their credit at the same time. We have a network of Houston used car dealers that specialize in bad credit car loans.

    Other Texas Auto Finance Opportunities: Austin | Dallas | San Antonio
    Serving the People of Houston Since 1997
    Contact Us Today About Financing a Vehicle
    Helpful Financing Tips
    What are the Best Car Financing Companies for Bad Credit Borrowers?
    Individuals with credit problems can have a better chance of getting a loan when they are using an auto financing company that specializes in bad credit loans. ... Read More »

    What to Know When Choose Between Leasing & Car Financing
    Choosing between a lease and a car loan can be difficult as they both have their own benefits and disadvantages that affect people differently, but we can help you choose the right one today. ... Read More »

    Can I Take Over Car Payments with a Bad Credit Score?
    Many people try to take on the payments of a car with a bad credit score, and there are a number useful ways to accomplish this. ... Read More »

    AutoNet Financial Service Areas
    AutoNet Financial can match you with car dealerships that offer bad credit auto loans in a number areas in the U.S. and Canada.

    We can locate dealers in Richmond, Winnipeg, Toronto, Waukegan, Ottawa, and so many other areas with each one having a history of supplying poor credit financing options.

    AutoNet Financial is different than most online bad credit car loan companies as we offer free auto loans and credit services.