Houston Texas In House Auto Financing

Houston Texas  In House Auto Financing

Washington inhouse car lots While Houstons  in house financing car lots help many people from Texas with bad credit get a car, many alternatives can lead to better credit and lower rates.Often times it’s called buy here pay here in Houston or even Houston Texas in house financing, it doesn’t matter what it’s called it means the dealer is the Houston  in house lender. Houston in-house lending refers to direct lending – you are borrowing from the Texas auto dealer that you buy the car from.

You should also know that using in house finance in Houston is a form of sub-prime lending, and it’s been around for decades. In fact, Houston “in house” lending was the first form of subprime auto lending. This sort of auto financing may have made sense when it started, its been replaced by vehicle financing that is more advantageous to Houston’s car buying customers.


In House Financing

Applicants in Houston are able to get pre-approved for bad credit car dealer financing online. With our internet financing application, consumers of any financial background can get approved in no time. When 713 Car Loan  gets your application, the wheels begin turning and when you visit the dealership you only need to pick out your good quality used car and finish some paperwork.

By pre-applying, a lot of the classic car dealership headache disappears. Good credit, bad credit, no credit, repossessions, or even bankruptcy…it doesn’t matter. If you meet the basic requirements below, you can get approved for a new or used car loan, hassle-free. When you need to find information about financing for used cars, we can help connect you with the best options available.

  • Minimum $1500-$2000 gross monthly income for those with a credit score under 625.
  • Must be a Texas or Lousiana resident at least 18 years of age.
  • Any previous bankruptcy must be discharged.
  • Proof of residency. (utitlty or phone bill)
  • No private-party purchases or personal advances.

Buy Here Pay Here Auto Sales

Buy Here Pay Here Auto Sales

At 713 Car Loans, A Buy Here Pay Here Auto Sales Dealership you can browse our large inventory of cars that have valid Texas State  emission inspections  on our lot. Come on in and take a test drive today. Our in house “Buy Here Pay Here” financing makes your car buying experience easy. Located in the heart of Houston Texas serving Harris, Fort Bend, Brazoria, Waller,Galveston , and surrounding Counties since 1998

Cory Young , Kem Ajiodo, Anthony Dorsey & Isaac Hicks Jr. are in the business of selling and financing affordable automobiles, SUVs, Vans, and trucks with a “no hassle” price clearly marked on every car to make your next car shopping experience an easy in our customer friendly, no pressure sales environment. They have always taken pride in offering quality cars and service. Repeat customers have always been their goal in building the business. Nothing gives them as much satisfaction as seeing the children of customers come in and continue the relationship. As a result, over the years they have seen a steady increase in sales.


Buy Here Pay Here!

For residents of Houston Texas, we offer in-house financing. This is a great way to establish or re-establish your credit. All loans are serviced on site.

Our “Buy Here Pay Here” in-house financing makes car buying easy and prices marked on every car make sure you have a “no-hassle” experience!

What is “Buy Here/Pay Here?”
The true “Buy Here/Pay Here” (BHPH) dealership finances directly the vehicles they have to offer for sale. Your loan, if approved will be serviced until paid in full by the dealer. Each BHPH Dealer is going to vary a little with their terms and conditions, but most will structure a payment plan that matches your payday. This can generally be wither weekly, bi-weekly or semi-monthly. Traditional BHPH dealers will also use expressions like “In House Financing,” “We Tote The Note,” “Everyone Rides,” “No One Refused Credit,” “Guaranteed Credit Approval,” “No Credit-Bad Credit,” “New in Town?” or some combination of these terms.

Why use a “Buy Here/Pay Here Dealership?”
Many people have suffered financial setbacks for either loss of employment, health related issues, or a variety of other personal reasons. Additionally, for the individual that has never established prior credit, all these conditions can lead to refusal from traditional lenders like banks, credit unions, or automotive finance companies. The BHPH dealer is going to weigh factors from a different perspective. Most BHPH dealers understand that decent hardworking people just need an opportunity or a second chance to get their credit repaired or established.

713 Used tires offers payment plans that are designed to fit your payroll schedule. Below is a list of the basic requirements.

• Valid Texas or Louisna Drivers License
• Required Down Payment
• Proof of address
• Proof of employment
• Six (6) references:
Three relatives
Three personal (name, address & phone numbers)
• Auto Insurance



Buy Here Pay Here Houston Texas

Buy Here Pay Here Houston Texas


Buy Here Pay Here Car Lots provide their own financing options for car buyers with bad credit or who cannot get a loan for any financial reasons. Buyers won’t have to go through banks or any other financing companies, but they will deal with the car dealerships directly. This way, car buyers can have a better chance of negotiating the car payments on their schedule as the dealerships will offer various In House financing programs and they will make the buyers pay what they can afford. But at the same time, this also means the dealerships can choose customers who might have been already denied from bank for finance offers. It sounds very good options for the car buyers, but one downside would be that car buyers will be paying a higher interest rate as they are considered a risk to the eyes of buy here pay here car dealers. You may end up paying the entire payment longer than normal financing programs. Another downside is that buyers are limited to the choices of vehicles when they want to choose, as they are only allowed a loan for what they can afford. Most people would not consider this as much because it’s only difference of having an ownership. In the meanwhile, the upside of the buy here pay here lots is that the dealership will listen to your situation and can specifically offer what you can afford based on your current financial ability.

Finding the right buy here pay here car lot in Houston Texas  can make the car buying process much easier than driving around from dealership to dealership looking for the best deal on a used car and financing for that vehicle. 713 Car Loans buy here pay here car dealers are willing and ready to help you get a decent used automobile.

The best thing for you to do is get pre approved for a buy here pay here auto loan before you even step foot in any dealership showroom. Our 3 minute application process is the quickest and easiest route to take.