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Buying a car with bad credit can be a scary prospect. As it is, buying a car at all can be intimidating depending on your level of car knowledge and comfort with negotiations. But when your credit isn’t where you’d like it to be, you might think you don’t stand a chance at negotiating in the first place.

This is just another reason why it’s so important to work on improving your credit score, including making sure there are no mistakes on your credit report dragging your score down.

But in the meantime, we decided to take a look at car dealerships around the country that claim to work with people who have bad credit. The mission? To find out if the promises match up to the reviews. First up: bad credit car dealerships in Houston.

10 Bad Credit Car Dealerships in Houston¹

Car Store

  • Address: 1718 N. Shepherd Dr., Houston, TX 77008
  • Phone Number: (713) 481-5100
  • BBB Rating: B-
  • Yelp Rating: 1 Star
  • Cars.com Rating: 5 Stars

The promise:
“Get Easy In House Financing on Used Cars for Sale in Houston Texas!”

Car Store is the first of the bad credit car dealerships in Houston we’re looking at, and they’re offering is bold (as you can see above). Besides this promise, The Car Store states on its website that it has in-house financing and doesn’t require a credit check. The dealership goes on to say that first-time car buyers and customers with bad credit are welcome.

The reviews:
The BBB gives The Car Store a B- and includes a review of a customer who had issues after being two days late on his payment. Cars.com gives the dealership five stars, with reviews citing good prices and helpful associates. The three reviews on Yelp amount to a one-star rating, including claims of a car being sold that has a salvage title and another reviewer saying they were told the car payments would be reported to their credit, but in fact were not.

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Carnes Motor Company

  • Address: 616 Houston Blvd., South Houston, TX 77587
  • Phone Number: (713) 944-1170
  • BBB Rating: C
  • Yelp Rating: 1 Star
  • Cars.com Rating: n/a

The promise:
“Bad Credit, No Credit, No Problem!”

Carnes Motor Company says it offers competitive prices for late-model pre-owned vehicles, as well as affordable payments.

The reviews:
There aren’t many reviews on Carnes Motor Company compared to other dealerships on the list, but the reviews that can be found aren’t great. One reviewer claimed to have trouble with the car soon after purchase. Another claimed that their car was repossessed prior to a late payment. BBB gives a rating of C and Yelp has a rating of one star for Carnes Motor Company.

Classic Chevrolet of Houston

  • Address: 7000 SW Freeway, Houston, TX 77047
  • Phone Number: (877) 594-0150
  • BBB Rating: A+
  • Yelp Rating: 2 Stars
  • Cars.com Rating: 4.2 Stars

The promise:
“Joel Rogers Chevrolet can offer financial assistance even if you have no money to put down. We can help first-time car buyers with no credit, too!”

The reviews:
The approval rate is a big part of Classic Chevrolet of Houston’s sell, and at least one reviewer on Yelp claimed it was true — she said she was able to purchase a car without a down payment while in the middle of a bankruptcy. As for overall Yelp reviews, this one comes in at only two stars on Yelp, 4.2 stars on Cars.com, and with an A+ grade on BBB. Again, the service department takes the brunt of the lower reviews compared to the dealership, but some complaints mention being treated with less professionalism if the customer looks young and more hits to the customer’s credit than they were told would happen.

Davis Chevrolet

  • Address: 2277 South Loop, West Houston, TX 77054
  • Phone Number: (866) 606-0780
  • BBB Rating: A+
  • Yelp Rating: 3 Stars
  • Cars.com Rating: 4.6 Stars

The promise:
“We work with a network of lenders that offer special lending programs to buyers with less than perfect credit. We get you from a low credit score, into the vehicle you need.”

Davis Chevrolet promises this through its Davis Credit Approval Center, which works with lenders who specialize in loans for bad credit. The Davis Credit Approval Center also claims to educate customers on credit repair

Customers need to earn at least $1,500 per month and have a valid ID to get approved. The mentions that down payments aren’t always necessary, but can potentially help with approval.

The reviews:
Overall, the reviews of this dealership are average as a place to buy a car. The Better Business Bureau (BBB) gives Davis Chevrolet an A+, Yelp shows three out of five stars, and Cars.com gives it a 4.6 out of five stars.

The negative reviews on the dealership’s own website, as well as on Yelp, center mostly around poor service at the dealership service center (even for people who bought their car at Davis Chevrolet). Some things to watch out per the more negative reviews on the dealership itself are inconsistencies in the paperwork and some nicks and dings to the car that weren’t there during the purchasing process.

Don McGill Toyota

  • Address: 11800 Katy Freeway, West Houston, TX 77079
  • Phone Number: (888) 407-6290
  • BBB Rating: F
  • Yelp Rating: 2 Stars
  • Cars.com Rating: 4.6 Stars

The promise:
“Here at Don McGill Toyota in Houston, we believe everyone deserves a second chance. Our finance experts can help you get the car of your dreams even if you have had a bump in the road with your credit score.”

Don McGill Toyota works with this promise by offering second chance financing with what they call their “Bad Credit Car Loan” for those who’ve been through bankruptcy and other financial difficulties.

The reviews:
The reviews on this pick from bad credit car dealerships in Houston aren’t recent, but the BBB currently gives Don McGill Toyota an F and Yelp shows a two-star rating. The dealership fares better on Cars.com, where it has a 4.6-star rating. Things to look out for in the negative reviews include things like hidden fees, late payments on a trade-in, and unprofessional staff.

Durrett Motor Company

  • Address: 5520 S. Shaver St., Houston, TX 77034
  • Phone Number: (713) 941-5616
  • BBB Rating: A+
  • Yelp Rating: 3.5 Stars
  • Cars.com Rating: 4.7 Stars

The promise:
“No Credit, Bad Credit? We Can Help! Bankruptcies, Repo’s, Charge Offs – We Can Help!”

Durrett Motor Company offers three different types of financing: conventional bank financing, special financing, and in-house financing. The dealership also says it reports payments to TransUnion and Equifax, which is helpful to those who need a car and also want to repair their credit.

The reviews:
The positive reviews on Durrett Motor Company, which received an A+ from the BBB and 4.7 stars on Cars.com, state friendly service and an easy buying experience. Some of the negative reviews highlight inconsistent pricing during the sales process and high payments for lower quality cars. Yelp gives the dealership 3.5 stars.

Giant Auto Mart 2

  • Address: 6322 Bissonnet., Houston, TX 77074
  • Phone Number: (713) 239-2324
  • BBB Rating: A+
  • Yelp Rating: 3 Stars
  • Cars.com Rating: 4.9 Stars

The promise:
“As an established dealer we offer low down monthly payments with no credit checks.”

Affiliated with Giant Auto Mart, Giant Auto Mart 2 offers financing without credit checks and a non-commissioned sales staff.

The reviews:
Giant Auto Mart 2 boasts high reviews on Cars.com with a 4.9 rating and only positive things to say about the buying experience and the customer service. The dealership has a three-star rating on Yelp, also with mostly positive reviews except for a couple of stories of less-than-desirable car quality and customer service. The BBB gives the dealership an A+.

Munday Chevrolet

  • Address: 17800 North Freeway, Houston, TX 77090
  • Phone Number: (832) 436-2457
  • BBB Rating: B-
  • Yelp Rating: 2 Stars
  • Cars.com Rating: 4.4 Stars

The promise:
“At Munday Chevrolet we understand that in these tough times you may have hit a bump in the road. Whether you have BAD CREDIT due to a Bankruptcy, Charge Off, Slow Pays or even a Repossession, we can help!”

Munday Chevrolet says customers with bad credit might be approved even if they’ve declared bankruptcy or had a car repossessed — even going so far as to say that 99 percent of applicants end up being approved. As for what kind of financing that can lead to, the dealership boasts interest rates starting at 8.9% for customers with bad credit.

The reviews:
There are mixed reviews on Munday Chevrolet, as the BBB gives the dealership a B-, Cars.com gives it 4.5 stars, and Yelp gives it only two stars. Some of the more positive reviews talk about patient and helpful customer service. But some of the negative reviews detail stories about dishonesty regarding the available inventory, sly price add-ons, and cars that show immediate problems once driven home from the dealership.

Shabana Motors

  • Address: 9811 Southwest Freeway, Houston, TX 77074
  • Phone Number: (713) 766-5744
  • BBB Rating: C+
  • Yelp Rating: 1.5 Stars
  • Cars.com Rating: 4.5 Stars

The promise:
“We understand that bad credit can happen to good drivers. At Shabana, we’re dedicated to helping our customers build or repair their credit history by offering second-chance auto loans with every vehicle we sell. If you have bad or no credit, we’ll work with you to get you into the car you deserve.”

Another in a line of in-house financing bad credit car dealerships in Houston, Shabana Motors says it can work with customers who have bad credit through its “no credit vehicle loans.”

The reviews:
Shabana Motors has a 4.5-star rating on Cars.com, with many reviews showing gratitude for being given a car with bad credit and a quick and easy sales process. Some of the negative reviews, however, point to issues with making payments as well as cars that have mechanical errors almost immediately after purchase. The BBB gives Shabana Motors a C+ and Yelp 1.5 stars (though there are very few reviews on Yelp).

Z Auto Place

  • Address: 940A Highway 6, South Houston, TX 77079
  • Phone Number: (281) 496-4442
  • BBB Rating: A+
  • Yelp Rating: 1 Star
  • Cars.com Rating: 5 Stars

The promise:
“99.4% success rate making us the #1 Source for financing – Quick and Easy … 24 Hour Approval – All Credit Welcome and Financing from $0 down.”

Z Auto Place boasts says it’s willing to work with people with bad credit and no down payment, with a 24-hour approval window.

The reviews:
Z Auto Place is another of the bad credit car dealerships in Houston with few reviews. Its one review on Cars.com is positive — citing a lack of pressure and friendly and professional customer service — and gives it a five-star rating. On the other side, its two reviews on Yelp give it a one-star rating due to claims of poor communication and a confusing approval process. The BBB gives Z Auto Place an A+.

Quick Tips for Shopping at Bad Credit Car Dealerships in Houston and Elsewhere

Shopping for a car with bad credit doesn’t have to be a terrible experience. To help avoid a bad experience, keep these tips in mind. Never buy a car without test driving it first, triple check all the paperwork before you sign, and don’t complete the deal without paperwork in hand. Finally, if your gut tells you a salesperson is playing games with you, start asking tough questions. If there are specific complaints about the dealer, ask the salesperson about them. If the answers aren’t sufficient, consider taking your business elsewhere.

Love these reviews, but don’t live in Houston? Bad Credit Car Dealerships in Houston isn’t all we’re looking at. Check out our other bad credit car dealership reviews below:
Bad Credit Car Dealerships in Atlanta
Bad Credit Car Dealerships in San Antonio

You can also expand your car search past your local dealership. Click here to find out the pros and cons to buying a car online.

¹This list of car dealerships is provided for informational purposes only. Upturn Credit acknowledges that affiliates of Upturn Credit may have commercial relationships with one or more of the dealerships discussed in this article. Notwithstanding the foregoing, Upturn Credit does not endorse any particular dealership or have any relationship with the dealerships. You should thoroughly review all product information carefully before entering into a transaction with any dealership.

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