In-House Financing with Shabana Motors

So, you've decided that a used vehicle is right for you and your family, but then comes the next question - how do you pay for it? At Shabana Motors, we've got the answer!

Have you been turned down for other auto loans because you:

• Have bad credit?
• Are young and have no credit history?

Shabana Motors can help. We're a buy here, pay here dealership, which means that we offer in-house financing. Let’s look at what that means for you and your bottom line.

What is Buy Here, Pay Here?

Put simply buy here, pay here is exactly what it sounds like. You buy a vehicle with Shabana, you pay Shabana. Rather than outsourcing the money portion of events to a bank, lender, or financial company, we manage the process from beginning to end. We're not some faceless corporation that only sees you as a number - we work with real people to understand their financial situation, be that bad or even no credit, to come up with something that works out for everyone in the end.

How Does it Help Me Get a Used Car?

One of the major advantages to buy here, pay here is that it makes it possible for someone with bad or no credit to find a financing solution that lets them drive off the lot in a vehicle. Approval is almost always guaranteed since we're the ones making the decisions. One perk of this process is that it allows people to build or in some cases, re-build their credit through on-time payments each month. Though we're not a bank, we do report these payments to credit scoring agencies which means that they'll work to help your overall credit score.

Let’s talk about some of the negative attention that other buy here, pay here processes have brought about. Buy here, pay here, when done the Shabana way, is a flexible solution to a sticky situation. Rest assured, our goal is your goal - safe, affordable transportation for you and your family. At Shabana Motors we'll work to come up with a down payment and repayment arrangement that works for your bottom line.

What is In-House Financing?

In-house financing goes along with our buy here, pay here model. We keep the financing in-house at Shabana Motors. You don't send money to a third party like a bank, and we don't rely on those parties to make credit decisions. The result is that we're free to make flexible credit decisions for our customers, usually on the same day, regardless of credit history.

To take advantage of our financing process, customers should:

1. Fill out an application on our website or at the dealership.
2. Allow us time to review your information

Once we've had time to look over your submission, we'll work out a payment arrangement that acceptable to you and your family. We accept payments by:

• Check (except for down payments)
• Debit card
• Cash
• Money order
• Online credit card payments
• Telephone

Lots of people use buy here, pay here vehicle purchases as a credit building exercise, so automatic payments make sure you pay in full, on time (building your score).

What Are the Benefits of In-House Financing?

There are a couple main areas where in-house used car financing creates an advantage for our buyers:

• Speed
• Flexibility

First is speed - because the financial structure is here at the dealership, there's no going back and forth with lenders to get a decision. We let you know as soon as we can make a decision. Secondly is flexibility. We're real people in the community just like you. We'll work to take your specific circumstance into account to come up with a payment, down payment, and interest rate arrangement that works for you.

How Do I Get In-House Financing?

To take advantage of our financing, you only need a few things:

• A steady income
• A US-issued ID or passport from any country
• A physical Houston-area address (with proof of residence)

We've been here for almost 30 years serving Houston's automotive needs. We'd like to extend that relationship to you for your vehicle purchase. If you're in the market for a new ride, reach out to us today by phone, email or just stop by. Our experts would love to explain how our financing process can work to make you a new vehicle owner. Come check out our selection of used cars, trucks and SUVs. You can apply for a loan and in most cases, get approved the same day.