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Bad Credit Car Loans in Houston (TX)

Car Loans Houston TX

Have you been searching for an auto loan for poor credit in Houston, TX? You aren’t alone. By our estimations, 771,327 of Houston’s 2,571,090 locals have bad credit. Our service is distinctly good for anyone looking to purchase a car with a bad credit score in Houston, TX, as you won’t be required to go all over the place, applying for loans that could be denied if you have bad credit.

And remember, this is is one of the better approaches to improving your credit.

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Have bad credit? Need a car? Then being good with your income is most important.

You should always stay within budget when it comes to your Houston TX auto loan, bad credit notwithstanding. Only 10% of your income per month should be put toward your car loan. Houston’s consumers earn approximately $22,655 per year. Here’s a short analysis of the average consumer’s Houston car loan budget:

Salary Per Year

Income A Month

Monthly Payment

Vehicle Price

  • $22,655

  • $1,888

  • $189

  • $7,930

No down payment cars are often available, but down payments counteract negative equity. In most cases, down payments are 10 to 20%. For a car that costs $7,930, this is $793 to $1,586.

Have you ever experienced a case of bankruptcy or repossession? Tracking down an auto loan after bankruptcy will not be a picnic, but it’s not hopeless. It might not be as easy as getting a car loan with good credit, per se, but we can help you find finance companies that provide bad credit car loans in Houston, TX, regardless of whether you’ve suffered:

  • Declaring Bankruptcy (Chapter 7 or 13)
  • Property Foreclosures
  • Repossessed Vehicles

Despite the fact that bankruptcies stay on your credit file for a long time, many loan companies will grant a car loan after merely 2 years.

If you’re unable to secure a car loan because of bad credit, you can always resort to buy here pay here dealerships in Houston.