Bad Credit Financing FAQs | Shabana Motors -->

What does "buy here, pay here" mean?

Most "traditional" car dealerships offer financing options through local or national banks and auto loan companies. While there's nothing wrong with that, it can be hard for people with bad credit or no credit to get a loan from a bank.

At Shabana Motors, we put a lot of trust in our customers. If you decide to buy, we'll take care of the financing without bringing a high-maintenance bank into the mix.

What do I need for in-house financing?

We do our best to help you build or rebuild your credit. That’s why our in-house financing process is easy and clear. If you’re a resident of the Houston area with a stable income, references, a valid photo ID and a down payment, you’re guaranteed approval!

What if I can't make a payment each week?

That’s not a problem. We now offer Monthly, Semi-monthly, and Biweekly pay schedules to make it easier for you to pay.

Will Shabana Motors report my payment information to any of the U.S. credit agencies?

Yes. We make sure that you’re rewarded for paying on time, so we report your information to Equifax and TransUnion. Your credit score will go up monthly if you make payments on time. With a better credit score, you might get a lower interest rate on your next car from Shabana Motors.

What if I can't make a payment in person?

We want to make it super-fast and easy for you to make your car payments. We have several no-hassle payment options. If you can’t come in and drop off your check or money order at our dealership, you can pay with a credit or debit card by phone or online.

We can also draft payments automatically from your debit or credit card. With “auto draft,” you won't have to lift a finger to make your payments!

At Shabana Motors, we have a large selection of high-quality used vehicles for everyone. We try to make it simple for anybody to afford the car of their dreams. Visit us today at our Southwest Freeway location or call (713) 270-9005 to find out what we can do for you.