Can I Really Buy a Car with Bad Credit in San Antonio?
Yes — and you don't need a bank, a cosigner, or a perfect credit score. At Texas Auto Mart, we've helped thousands of San Antonio families drive home in a quality used vehicle through our in-house financing program. We've been doing it since 1983, and we can help you too.
What Is In-House Financing?
In-house financing — also called Buy Here Pay Here (BHPH) — means the dealership acts as the lender. Instead of sending you to a bank or outside finance company, we approve you ourselves and you make your payments directly to us.
That means your credit history at the bank doesn't determine whether you drive home today. We look at your ability to pay now, not your past.
Who Qualifies for Buy Here Pay Here?
Our in-house financing is designed for people who have been turned down elsewhere, including:
Bad credit or low credit scores
No credit history at all
Recent repossession or bankruptcy
First-time buyers
Self-employed or irregular income
If you have a steady income and can make a down payment, there's a very good chance we can get you approved.
What Do I Need to Bring?
The approval process at Texas Auto Mart is simple. Bring these items when you visit:
A valid government-issued photo ID (driver's license or state ID)
Proof of income (recent pay stubs, bank statements, or tax return if self-employed)
Proof of residence (utility bill, lease agreement, or bank statement with your address)
Down payment (cash or debit)
References (we may ask for a few personal or professional contacts)
That's it. No lengthy paperwork. No waiting on a bank to call you back.
How Much Car Can I Get?
Our inventory includes quality used cars, trucks, and SUVs priced for real budgets. Most of our vehicles are priced under $20,000, with many options available for buyers putting down $1,000–$3,000.
When you come in, we'll work with what you have and help you find a vehicle that fits both your needs and your monthly budget.
Why Texas Auto Mart?
We're a family-owned dealership — Russell, Edna, Rusty, and Chase — and we've been part of the San Antonio community since 1983. We're not a chain. We're your neighbors. When you buy from us, you deal directly with the owners.
We carry cars, trucks, SUVs, and more — all inspected and ready to go. And because we handle financing ourselves, there's no runaround, no mystery, and no surprises.
Ready to Get Started?
Don't let bad credit keep you off the road. Come see us at 4906 Rigsby Ave, San Antonio, TX 78222 or call us at (210) 648-3631.
We're open Monday–Friday 9am–6pm and Saturday 9am–5pm. Walk-ins welcome. You can also get a head start by filling out our quick online credit application before you arrive.
Texas Auto Mart — Family owned since 1983. Bad credit OK. No bank required.
