Financing



 

All financial transactions should be completed within a reasonable period of time, usually within FIVE days after we receive the deposit.

We accept all type of cards or ZELLE deposit made to sales@usedcarhouston.com. We accept major credit cards and debit cards for $500.00 ONLY.

***ALL DEPOSITS ARE NON-REFUNDABLE***

All our Vehicles are sold as is, where is with no warranty, expressed written or implied. The Seller shall not be responsible for the correct description, authenticity, genuineness, or defects herein, and makes no warranty in connection therewith. No allowance or set a side will be made on account of any incorrectness, imperfection, defect or damage. Any descriptions or representations are for identification purposes only and are not to be construed as a warranty of any type. It is the responsibility of the buyer to have thoroughly inspected the vehicle, and to have satisfied himself or herself as to the condition and value and to buy based upon that judgement solely. The seller shall and will make every reasonable effort to disclose any known defects associated with this vehicle at the buyer's request prior to the close of sale. Seller assumes no responsibility for any repairs regardless of any oral statements about the vehicle.

All buyers are responsible to pay Texas V.I.T tax (Vehicle Inventory Tax). Which is 0.001835 of the purchase price (Example: $10,000.00 purchase = $18.35), $150.00 documentary fee, $5.00 buyers tag fee,  Texas buyers must pay 6.25% sales tax plus $137.00 registration fee. Out Of state buyers are responsible to pay their tax within 21 days of purchase.

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Used Car City Financing

Used Car City is dedicated to providing you the Best Financing options for your financial situation. Let  the Finance Team simplify the process of getting the right loan and payment for you.  Providing years  of Experience, on top of working with many of the Industries Top Lenders, our goal is to have you on your way  within minutes of your decision to finance.

Benefits of Financing

  •  Lowest Rates Available on Approved Credit

    Used Car City is partnered with the top National and Local Banks and Credit Unions to provide an assortment of financing options. We strive to provide our customers with the lowest rates for their particular needs and situations. We understand that everyone has a different financial situation and we tailor our Financing around that! We pride ourselves on providing financing options for those with Good and Bad Credit histories.
     

  Vehicle Protection Services

 Your vehicle is an Investment to you. There's no better way to protect your vehicle then the added services we  offer;  ranging from  Extended Service Contracts to Anti-Theft Protection. Ask about all our Additional services  when visiting our Indoor showroom.

    Some of the Advanced Protection Services we offer:

    - Extended Warranty Service
    - Anti-Theft Protection
    - and Many More.

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Car Loans from Used Car City LLC Finance Center

Calculator

Loan Calculator

Enter loan terms to calculate your estimated monthly payment.

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Acquisition fees, destination charges, tag, title, and other fees and incentives are not included in this calculation.

Frequently asked questions

 
My credit is bad. Can I still get pre-approved?
Yes, of course you can!  We’ve built relationships with 50+ banks and credit unions (CUDL) including Wells Fargo, Ally Financial, Chase, and central banks, too. The Used Car City financial staff is uniquely trained to get you the best rate and best monthly payment option possible for your situation.
 
Can I get a loan on a high-mileage vehicle?
Yes, absolutely. We’re the only independent used car dealership in Texas state with a bank that will finance high-mileage vehicles, no matter your credit history (up to 550 credit score).
 
I’m a first-time buyer. Is that an issue?
Not at all. We know how exciting it is to buy your first car. So even if you’ve never made a car payment in your life or have no credit history at all, we’ll find you a great rate. We do it all the time.
 
I need a car right away. How fast can I get pre-approved?
All of our pre-approvals are expedited. If you fill out an application today, you can expect a financing offer immediately — often within 24 hours.
 
What about a down payment?
We can work with you, with or without a down payment. If you need to put money down, we’ll help you keep your out-of-pocket costs as low as possible. And we’re happy to talk about using your trade-in as your down payment.