About In-House Financing -->

How can you get a car loan when you have a low credit score?

Do you need a fast loan with flexible terms?

Ask your car dealer about in-house financing. You may be able to get a loan and buy your car on the same day, regardless of your credit history.

What Is In-House Financing?

In-house financing is when the car dealership loans you the money to buy one of its cars. The dealership acts like a bank or finance company. You get a loan the same day you select a car and you pay the dealership back just like you would pay a bank or credit union.

If you are not sure if a dealership offers in-house financing, look for these words on their signs or website.

  • We Finance
  • Easy Financing
  • Building Credit

How This Helps You

  • Fast approval means buying a car today.
  • The dealership will do its best to work with your budget. You can buy a car even if you have bad credit.
  • You can have a variety of cars to choose from.
  • You will see your credit score increase in as little as two months. A better credit score helps you get into an apartment or house.

Who Should Use In-House Financing?

If you...
  • Have proof of income
  • Proof of residence
  • Have no previous credit record because you are young or a first time borrower
...you can apply for in-house financing.

What If You Have Bad Credit?

Even if the banks and other traditional lenders have turned you down for credit, you can still get in-house financing from a car dealership. You can get more flexibility on the interest rate so it will fit your budget.

The Shabana Motors Financing Process

You must be a resident of the Houston area with income, references, and a valid photo ID. You must also be prepared to make a down payment on the car.

  1. Fill out the online application on our website or at the dealership.
  2. Shabana Motors quickly reviews your application.
  3. We accept payments by check or money order, or by credit card online or over the telephone. You can also set up automatic payments to be drafted from your credit card or bank account. Note: we do not accept down payments by check.

Come to Shabana Motors

For over 30 years, we have been helping the people of Houston buy high-quality cars and trucks with payments that match their budgets and their credit histories.

Shabana Motors offers a 2 year/24,000 mile warranty on all vehicles purchased and may be able to help you repair your credit by providing in-house financing at reasonable rates.

Check out our selection of cars and trucks. Stay to apply for a loan and get approved the same day.