Get Approved for In-House Financing in 3 Easy Steps

What Is Buy Here Pay Here — And How Does It Work?

Before You Come In

What You’ll Need to Apply

Bring these five things and we’ll get you a yes or no in minutes.

01

Photo ID

Valid government-issued photo ID, or a passport for international buyers.

02

Proof of Income

Recent pay stubs or bank statements — your job is your credit here.

03

Proof of Residence

A utility bill, lease agreement, or similar document with your address.

04

Down Payment

We’ll discuss options that work for your budget — just ask.

05

Active Phone Number

So we can reach you with your approval and paperwork updates.

Missing something? Come in anyway — we’ll tell you exactly what we need.

(713) 686-4367
Simple In-House Financing

Our 3-Step Process

From application to keys in hand, we make getting on the road fast and straightforward.

01
Get Started

Get Pre-Qualified

Bring proof of income, proof of residence, and a valid Texas ID. Passports and out-of-state IDs are also accepted. We evaluate your income and stability—not your credit score.

02
Make It Fit

Choose Your Payment Plan

We structure payments around your budget, generally up to 20% of your income. In-house financing means a fast, direct decision without waiting on a bank.

03
Hit the Road

Pick Your Vehicle & Drive Home

Choose a reliable vehicle from our inventory, complete the paperwork, and drive home the same day. The entire process often takes less than an hour.

Get Approved