In-House Financing Application

No Credit? No Problem

Convenient locations in Houston & Spring | No Credit Needed

Start your car loan application online using the form below, or give us a call – we’re here to help.

1Step 1: Contact Info
2Step 2: Application Information
3Step 3: Schedule a Test Drive

You will love working with us

Just ask our customers
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In-House Financing - No Credit

So you are ready to buy a used car, but now the question is how will you pay for the vehicle? This is where our in-house financing comes into play. We strive to provide you with the best possible used car buying experience possible. This is why our standard in-house financing program doesn’t require good credit or any credit. Our approval process is based primarily on residence and job history. If you have a steady job, we want to work with you to get you in a car you love.

We try to make everything work if possible, so fill out the form below and see what we can do for you!

Still, have questions about what is In-House Financing? Then check out this article where we break it down. 

Bring the following items to the store

  • Driver’s license, State I.D. or Passport
  • Proof of automobile insurance (If you don’t have it yet, we can help!)
  • Proof of residence like a utility bill, etc (If you don’t have this, call us – we may have a solution.)
  • Proof of employment and income like paycheck stubs or bank statements. (If you have something different, call us – we may have a solution.)
  • Social Security number or TIN
  • 5 complete references (At least three relatives.)

In-House Financing Advantages

500 Below Cars offers some great advantages when it comes to our in-house financing. 

  • Credit Doesn’t Matter
  • Low Down Payments
  • Flexibility On Loan Terms
  • A Speedy Process

If this sounds like something you want to take advantage of then fill out the application above and we will be happy to help you get into one of our used cars today. 

Dear Customers,

We are taking preventative actions to help protect you and our staff.

  • We are working with reduced staff to limit the number of people present
  • Expedited checkout. Reducing your time on-site to one hour or less.
  • Additional hand sanitizing stations and disinfection wipes available
  • We are disinfecting customer touch points and waiting area furniture as needed up to twice per day
  • We have removed magazines and other reusable reading material
  • We have enacted “social distancing” – elbow tapping and kicking feet has been fun in the meantime
  • Managers are promoting frequent and thorough hand washing and encouraging respiratory etiquette, including covering coughs and sneezes for all employees
  • We are now accepting virtual appointments via face-time video (zoom). To schedule a virtual appointment just fill out an appointment form as normal and once communicated with simply request a video appointment.

We thank you for your business and please know we are working hard to keep our employees and customers safe. We will continue to monitor this situation locally and nationally.