Bad Credit Car Loans Houston, TX
The Chastang Ford Finance Center specializes in helping those with bad credit obtain a car loan. We understand and are empathetic to those who have had credit challenges in the past.
Everyone deserves to drive an affordable and reliable vehicle regardless of a poor credit history. We partner with multiple lenders that provide an easy car loan approval process to help our car shoppers with low credit scores drive home a new or used vehicle.
And if you’re a first time car buyer, check out how Chastang Ford could help you with a first time car buyer program.
If you’re looking for a car loan and have a bad credit history, let our finance experts take a look at your situation.
Car Loans For Bad Credit
Our finance department offers car loans for bad credit and bankruptcy approval programs to finance your next vehicle. Our experts know how to deal with past bankruptcies, divorces, foreclosures, repossessions, missed payments, and more. Bad things can happen to good people, which is why our subprime auto loan experts will advocate on your behalf to secure the best rate for your next car, truck van or SUV.
Our subprime auto loan program can service people with an under-500 credit score, making it possible to get a car loan with bad credit right here in Houston, TX.
To get approved for a bad credit car loan near Houston, we encourage you to apply for auto financing online, or contact our Finance Manager, Ryan Fehl, by emailing rfehl@chastangautogroup.com or calling (713) 678-5000.
Chastang Ford is a Houston, TX Ford dealership that specializes in bad credit auto loans, standard retail financing, Ford Flex Buy and leasing programs to purchase your next vehicle through our Finance Center.
How To Get a Car Loan With Bad Credit?
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Auto Loans for Bad Credit
Getting an auto loan with bad credit should not stop you from exploring your options for a dependable vehicle. Chastang Ford helps drivers throughout Houston apply for bad credit auto financing on new Ford trucks, SUVs and commercial vehicles, as well as quality used vehicles from a variety of manufacturers. Our finance team works with multiple lenders to identify available loan programs based on factors such as your income, employment history, down payment, trade-in value and vehicle selection.
Whether your credit has been affected by late payments, bankruptcy, repossession, medical expenses or other financial difficulties, our team will treat your situation with professionalism and respect. Complete the financing application above to begin exploring your auto loan options. Approval, interest rates, down payment requirements and loan terms vary by applicant and participating lender.
Why Choose Chastang Ford for Bad Credit Financing?
Choosing where to finance your vehicle is about more than completing a credit application. You also deserve confidence in the dealership, the vehicle you purchase and the people helping you understand your options. Chastang Ford is Houston’s highest-rated Ford dealership, with outstanding customer reviews and a commitment to transparent pricing, professional service and long-term customer relationships.
That commitment earned Chastang Ford the 2025 Ford President’s Award and Ford True Blue Award for customer satisfaction and dealership excellence. Joe Chastang was also honored with the 2024 Ford Salute to Dealers award for his contributions to the community. When you choose Chastang Ford for bad credit financing, you are working with a trusted Houston dealership that cares about its customers and gives back to the community it serves.
Bad Credit Car Loan FAQs
Can I get approved for a car loan with bad credit?
Yes. Chastang Ford works with multiple lenders that offer financing options for customers with all types of credit, including less-than-perfect credit. Every application is reviewed individually.
How much money should I put down if I have bad credit?
While every situation is different, a down payment of $2,000–$3,000 can often improve your financing options. It may help you qualify for better loan terms, lower monthly payments, and provide access to more vehicle choices.
What documents do I need to finance a vehicle?
- A valid driver's license or government-issued ID
- Social Security Number or ITIN
- Proof of income
- Proof of residence
- Basic employment and housing information
- Proof of insurance before taking delivery
Can I finance a vehicle with no credit or limited credit history?
Yes. First-time buyers and customers with limited credit history may still qualify. Our finance team will work with lenders to find financing options based on your overall financial profile.
Will applying for financing hurt my credit score?
Submitting a credit application may result in a hard credit inquiry. However, multiple auto loan inquiries made within a short shopping period are typically treated as a single inquiry by most credit scoring models.
Can I get approved if I've had a bankruptcy, repossession, or foreclosure?
Possibly. Many lenders consider more than just your credit history. Stable income, employment, and a down payment can all help strengthen your application.
Do I need a co-signer?
Not always. Some customers qualify on their own, while others may receive better financing options with a qualified co-signer.
Can I trade in my current vehicle if I still owe money on it?
Yes. Our team can evaluate your trade and explain how any remaining loan balance or available equity may affect your financing.
Finance Question
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