Buy Here Pay Here Car Financing in Houston, TX
At Shabana Motors, we make car financing simple—even if you’ve had challenges in the past. Whether you’re dealing with bad credit, no credit, or a previous repossession, our in-house Buy Here Pay Here financing helps you get approved without the red tape of banks or outside lenders. Since 1979, we’ve helped thousands of Houston drivers get the vehicles they need—quickly and confidently.
No Banks. Just Easy Auto Financing.
Buy Here Pay Here (BHPH) means that Shabana Motors is both your car dealership and your lender. When you purchase a vehicle from us, your loan and payment plan are handled directly on-site. This removes outside bank approvals and speeds up the entire process.
From SUVs, sedans and trucks, our BHPH program is designed to work for drivers across Houston.
Second-Chance Auto Financing You Can Count On
At Shabana Motors, we know that life happens. That’s why we offer second-chance financing tailored for:
First-time buyers, people with no credit, drivers recovering from bankruptcies or repos, and even those who are self-employed or recently divorced. We also work with buyers who don’t have a Social Security Number—passports are accepted! And because we report your payments, our financing can help you rebuild your credit while driving a reliable, high-quality vehicle.
Is BHPH Right for You?
Buy Here Pay Here financing is ideal for drivers who want a fast, flexible solution—especially those with credit concerns or limited access to traditional loans. Because we’re the lender, we’re able to offer personalized terms that work for you.
Important Considerations
Because BHPH loans don’t involve banks, interest rates may be higher. However, we keep terms clear and ensure our vehicles are priced fairly. Our goal is to help you succeed—not just sell you a car. Contact Us if you have questions, or Visit Us Today to speak with our team.
Unlike banks, we base approvals on your current financial situation—not your past. Our team offers fair, transparent pricing, and reports on-time payments to help you establish a stronger credit history.
Buy Here Pay Here with Real Support
Our in-house financing program is more than just an approval—it’s a partnership. Here’s how we help you succeed:
- Same-day approvals so you can get moving fast
- Tailored terms to match your budget and pay schedule
- People-first service with real support throughout your loan
- Credit-building potential with on-time payments
Whether you’re applying online or visiting our Houston dealership, we’re ready to guide you through every step.
Buy Here Pay Here Financing FAQs
Your Questions, Answered
We finance your vehicle directly, which speeds up approval and removes the need for a third-party lender.
Yes. We report on-time payments to help establish or improve your credit history.
Absolutely. Just fill out our online financing form and we’ll get back to you quickly.
Shabana Motors has been delivering exceptional used cars to the Houston community for 45 years. With a great selection and in-house financing option, they’ve been Houston’s trusted used car dealership since 1979.