In-House Financing Near You

Convenient Locations in Houston & Pasadena — No Credit Check Needed

You’ll ❤ working with King of Cars

Just ask our customers!



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The Key to Success Starts with In-House Financing!

In-House Financing with No Credit Check is our Specialty!

There is no other car dealership in the Houston area offering in-house financing (also known as buy here pay here) for the type of vehicles we offer!

Some dealers claim to offer in-house financing or no credit check financing but they really don’t. It’s just a marketing scheme to get you in the door. At King of Cars, we really do offer in-house financing with absolutely no credit check. We are for real, and we mean what we say.

Other dealerships that do offer in-house financing sell older, non-desirable vehicles (also known as “program cars” or “junk”). We sell newer model vehicles that are in high demand and that make you feel good about driving them. So stop worrying that you won’t get approved. We don’t care what your credit score is!

Browse our vehicle inventory online (or at one of our dealerships) and choose the vehicle you want.

All pricing information such as sale price, down payment, bi-weekly payment, term, and APR are transparent and posted online to help you choose the vehicle that best fits your budget.

Submit an application online (or in store) and bring us the following requirements:

  • Two Recent Paycheck Stubs
  • Utility Bill
  • Driver’s License (or ID, Passport, etc.)
  • Proof of Insurance
  • Down Payment

Drive away in under an hour!

Financing Application Form

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FAQs About Our Vehicles &
In-House Financing

Down payments vary depending on the vehicle’s year, make, model, trim, and mileage. In our effort to be transparent, we display our down payment price on every vehicle listed online and at the dealership. If visiting online, simply click on the vehicle of your choice and the down payment will be displayed. If browsing our inventory physically at the dealership, the down payment will be displayed as a sticker on the driver’s window.

In our effort to be transparent, we display our bi-weekly payment price on every vehicle listed online and at the dealership. If visiting online, simply click on the vehicle of your choice and the bi-weekly payment will be displayed. If browsing our inventory physically at the dealership, the bi-weekly payment will be displayed as a sticker on the driver’s window.

Yes, we accept all trades no matter the condition. To finalize the trade-in transaction, we will need the following:

A) Title of the vehicle showing proof of ownership.
B) Copy of your ID matching the name on the title. (Owner must be present if your name is not on the title)

Follow the easy steps below and you will be to make payments online with electronic checks or credit cards. Plus, you can view payment history, view current payment[s] due, request a payoff, and much more!

A) Click the “log in” link from the website (top right) OR go here directly.
C) Click on “Register for Free” and fill out the required information and then click on “Create Your FEX PAY Account”.
D) Once logged in, click “Add a Loan to My Profile”.
E) Fill in Last Name on Loan, Loan Number, and Last 4 of SSN and the click “Add This Loan”.

Financing is simple. All we require is a Driver’s License or ID, two recent paycheck stubs, a utility bill, and full coverage insurance.

Yes! We know unexpected mechanical failures may occur and can be very costly so we have provided all of our customers with a free 3 month/3,000 mile limited warranty on every vehicle we sell to ensure peace of mind.

The price for extended warranties depend on the following factors:

A) Year, Make, Model, Trim, and Mileage of vehicle.
B) Type of coverage you would like to purchase.
C) Length of coverage you would like to purchase.

Please call us for more information regarding extended warranties.

We accept cash, money orders, cashier checks, credit cards, debit cards, and wire transfer. Check are not accepted.

We do not have a policy for refunds or exchanges. All sales are final.

We offer In House Financing and Outside Financing. Through our In House Financing program, there’s no credit check and all we require is a paycheck stub, utility bill, and full coverage insurance.

Yes, all vehicles go through a rigorous 89 point inspection and must pass before they are placed for sale. For more information on the inspection of a specific vehicle, please call a sales associate to explain the report in detail.

No we do not report to any credit bureau.

Yes! We are a CarFax Advantage Dealer. Free CarFax reports available on every vehicle. Just say, “Show me the CarFax!”

Yes! Our referral program awards you $200 for each customer you refer to our dealership and makes a purchase. Note: Referral program only applies to customers who have an open account through our In House financing program and all credits will be applied towards your payments. No cash value.

Yes! We take pride in every vehicle we sell and will assure it has a clean, blue title!

If you are financing the vehicle then yes, you will need to have full coverage insurance prior to driving the vehicle off the lot. If you are paying for the vehicle cash, proof of insurance is not required however, Texas State Law requires all drivers operating a motor vehicle must carry liability insurance.

We are a “No Haggle” dealership which means we have our prices set at the very least possible price we can offer. This ensures that every customer will receive the best price possible and doesn’t have to worry about having “great negotiation skills”. Please don’t get offended if we do not accept your offer. It’s not that we don’t want to sell you the car, it’s just we have a strict “No Haggle” policy.

No! Our approvals are not based on your credit score or previous tradelines.

Yes! In House financing is our specialty! 99% of our deals are through our In House Financing program. All we require is a driver’s license or ID, 2 recent paycheck stubs, a utility bill, and full coverage insurance. It’s that simple!

Yes! We will appraise your vehicle at no charge and give you a voucher that is good for 7 days or 200 miles! So bring us your car and let us appraise it for you! Note: In order to complete the appraisal process, we will need the title to the vehicle and copy of ID matching the name on the title.

Our annual percentage rate is 18%. Other dealers that offer In House Financing, also known as Buy Here Pay Here, charge the max rate allowed in Texas which could be anywhere between 24-26%! Save your money and purchase from King of Cars!

Our vehicles are handpicked and are purchased from different sources all over the United States. We use the most advanced technology to help us locate some of the hardest vehicles to find and make sure they are CarFax Certified!

Your license plates can be picked up from our office usually 4-6 weeks from the date of purchase. As far as titles, they are held at the lienholders office until the vehicle is paid off. If you purchased your vehicle cash, you can expect to receive the title in the mail within 4-6 weeks from the date of purchase.

We here at King of Cars pride ourselves on providing our customers with a more pleasant type of car buying experience. Being in business for several years has provided us with a different type of knowledge, which can only be obtained through years of dedicated service.

We set out with the goals of providing the Pasadena Texas and Surrounding areas with more than just your average vehicle. With that in mind, we also did not want to make these cars only exclusively available to above average credit customers. We opened our doors to all kinds of credit histories and financial situations. We feel strongly that everyone should be able to own their dream car, and we do our very best to get them the vehicle of their choice. Most importantly, we try to ease the hassles of buying a new car by training our sales staff to let the cars speak for themselves and to break away from the pressuring of a stereotypical sales person. They are also trained to look beyond the sale itself and to provide a comfortable environment so that our customers may remember this and share many car buying experiences with us.

Nothing gives us a better sense of accomplishment then seeing a return customer satisfied with their King of Cars vehicle. Come and see today how at King of Cars we set ourselves apart from the competition.

We offer a unique service and our specialty is In House Financing with No Credit Check therefore all of our vehicles are priced slightly higher than KBB and NADA values. This is to offset the risk we are willing to take for our customers that need reliable transportation but don’t have the good credit required to purchase a vehicle through a bank or credit union.

In the state of Texas, it is against the law to offer two different prices based on the type of payment method and/or financing method, therefore we only have one price for all of our vehicles regardless if you choose to finance with us, obtain your own financing, or pay in full with cash.