If you have bad credit, you might worry that getting approved for an auto loan is out of reach. However, there are dealerships that are willing to work with people who have less-than-perfect credit, such as those mentioned below in San Antonio. The key is finding one you can trust.

That’s why we’ve been taking a look at bad credit car dealerships around the U.S. The goal? To discover who is offering auto loans for those who can’t get traditional financing and whether  the reviews match up to the promises.

[Buying a new car? Make sure your credit is in good shape with Upturn Credit’s free tool!]

Let’s see what San Antonio has to offer.

11 Bad Credit Car Dealerships in San Antonio¹

Ancira Chrysler Jeep Dodge Ram

  • Address: 10807 I-H 10 West, San Antonio, TX 78230
  • Phone Number: (210) 361-9829
  • BBB Rating: A+
  • Yelp Rating: 2 stars
  • Cars.com Rating: 4.8 stars

The promise:
“Whether [your credit] is perfect or not so great, we can custom design the right financing package for your next vehicle purchase.”

Ancira Chrysler Jeep Dodge Ram boasts a willingness to not only work with those who have less than perfect credit but also says it has programs to help them rebuild their credit and that they’re able to “overcome most credit problems.”

The reviews:
Overall, the reviews for purchasing a car are positive. The service department, on the other hand, has several negative reviews, claiming things such as repairs not working out, lack of available appointments, and poor communication.

Ancira Kia

  • Address: 6139 Bandera Road, San Antonio, TX 78238
  • Phone Number: (210) 970-7201
  • BBB Rating: A-
  • Yelp Rating: 4 stars
  • Cars.com Rating: 4.6 stars

The promise:
“Has A Dealer Turned You Down Due To Bad Credit, No Credit, Repossession Or Even Bankruptcy? Ancira Kia In San Antonio Can Help You Get Credit And Financing For The Vehicle You Need!”

Ancira Kia guarantees credit approval through its Credit Acceptance program, a “special financing option” for those who wouldn’t normally be able to be approved.

The reviews:
The reviews overall on Yelp are very good for Ancira Kia, most of which speak of professional staff and a pleasant car buying experiences. However, there are a couple of reviews on Cars.com pointing to disorganized and frustrating experiences.

ET Auto & Truck

  • Address: 6520 South Flores Street, San Antonio, TX 78214
  • Phone Number: (210) 927-0602 and (210) 927-0606
  • BBB Rating: F
  • Yelp Rating: 5 stars
  • Cars.com Rating: 3 stars

The promise:
“Our finance team will work with you if you have Good Credit, Bad Credit, or No Credit at all.”

Besides saying it will work with all types of credit, ET Auto & Truck also says every used car or truck on its lot comes with a Carfax Vehicle History Report so you can know what you’re getting into if you make a purchase.

The reviews:
There’s only one review on Yelp, and there are two complaints on BBB, although the BBB rating is an alarming “F.” Cars.com features a few more reviews, most of which are positive. However, one negative review complained that the dealership didn’t notify the customer when the plates for the car came in, at which point the plates were already late.

Fernandez Honda

  • Address: 8015 IH 35 S. San Antonio, TX 78224
  • Phone Number: (210) 880-6135
  • BBB Rating: A+
  • Yelp Rating: 2.5 stars
  • Cars.com Rating: 4.9 stars

The promise:
“We specialize in auto loans for vehicle shoppers who have had challenges in the past. No matter what your credit history, we could have a loan for you.”

The reviews:
Like many of the other dealerships on this list, the reviews don’t come in high for the service department at Fernandez Honda. The reviews of the dealership aren’t all positive, either. Negative reviews include things such as claims that the dealership will leave you waiting all day. Others include situations such as a customer that didn’t receive the paperwork to register the car until she called and asked for it and an instance of price change over the phone after in-person conversations with a salesperson. Reviews on Cars.com ranked more highly for customer service at Fernandez Honda.

IPAC Pre-Owned Outlet

  • Address: 6515 Culebra Rd, San Antonio, TX 78238
  • Phone Number: (210) 672-1583
  • BBB Rating: N/A
  • Yelp Rating: N/A
  • Cars.com Rating: no rating

The promise:
“Whether it [your credit] is perfect or not so great, we can custom design the right financing package for your next vehicle purchase.”

IPAC Pre-Owned Outlet pledges to help even those who need to rebuild their credit a way to purchase a car and rebuild their credit.

The reviews:
Not easy to find reviews for this one. BBB and Yelp don’t list IPAC Pre-Owned Outlet, and Cars.com doesn’t have any reviews for this dealership.

Jordan Ford

  • Address: 13010 IH 35 North, San Antonio, TX 78233
  • Phone Number: (888) 721-5874
  • BBB Rating: A+ and B-
  • Yelp Rating: 2 stars
  • Cars.com Rating: 4.9 stars

The promise:
“With our second chance financing, drivers from the local area are guaranteed to get approved for their next vehicle.”

Jordan Ford not only promises approval for all local applicants, the dealership also lists everything you need to bring with you to simplify the process.

The reviews:
Reviews on Yelp for Jordan Ford are dominated by complaints about the service department. Reviews on the sales team, however, balance out between positive and negative. That said, one negative review includes an instance in which the dealership didn’t make a payment on time for a car that was traded in. Reviews for Jordan Ford’s dealership on Cars.com are mostly positive.

McCombs Ford West

  • Address: 7111 NW Loop 410, San Antonio, TX 78238
  • Phone Number: (877) 954-3651
  • BBB Rating: A+
  • Yelp Rating: 2 stars
  • Cars.com Rating: 4.3 stars

The promise:
“McCombs Ford West and Driveway Motors West in San Antonio Can Help You Get Credit And Financing For The Vehicle You Need!”

Like Ancira Kia, McCombs Ford West has a Credit Acceptance program and a pledge to approve anyone who applies.

The reviews:
Reviews for McCombs Ford West run pretty low on Yelp.com. Complaints include an instance in which the dealer signed paperwork on behalf of a customer without their approval, hung up on a customer when negotiating trade-in prices, and bait and switching a customer. There are some negative reviews on Cars.com as well, but more positive reviews overall there. One reviewer wrote, “Thought buying a car was going to be a painful process, but he found the exact car I was looking for and made it enjoyable throughout.”

Northside Ford

  • Address: 12300 San Pedro Ave, San Antonio, TX 78216
  • Phone Number: (844) 281-5493
  • BBB Rating: A+
  • Yelp Rating: 2.5 stars
  • Cars.com Rating: 4.3 stars

The promise:
“Shoppers with all types of credit—from good to bad to non-existent—are eligible to receive a car loan through us.”

Northside Ford offers what it calls a “no-credit loan” for those who might need alternative financing.

The reviews:
Both Yelp and Cars.com have reviews claiming issues with the finance department changing their tune on previously agreed upon prices. The BBB and Cars.com also list complaints about the quality of the cars sold at Northside Ford. There are, however, some positive reviews in which customers went to Northside Ford from other dealerships for a better experience.

Red McCombs Ford

  • Address: 8333 Interstate 10, San Antonio, TX 78230
  • Phone Number: (888) 230-9613
  • BBB Rating: B+
  • Yelp Rating: 1.5 stars
  • Cars.com Rating: 4.9 stars

The promise:
“We’ll sit with you one-on-one to discuss options, even if your credit is less than perfect. Our goal is a satisfied customer (and wallet!).”

The reviews:
Not a new theme here. Red McCombs Ford pulls in some pretty low reviews on Yelp for its service department. Other negative reviews on Yelp include an instance in which the finance department changed an agreed-upon deal and a car quickly broke down and had recalls that the customer wasn’t told about.

Ruben’s Auto Sales

  • Address: 2607 S. Zarzamora San Antonio, TX 78207
  • Phone Number: (210) 224-0040
  • BBB Rating: A+
  • Yelp Rating: 5 stars
  • Cars.com Rating: 5 stars

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

According to Ruben’s Auto Sales website, “your down payment is your credit,” and you can get budget-friendly financing.

The reviews:
The BBB doesn’t have any detailed reviews of this dealership listed, and Yelp only has one. Cars.com has a handful of reviews, all of which are positive and indicate a fast and friendly car buying experience.

San Antonio CDJR

  • Address: 11910 N Interstate 35, San Antonio, TX 78233
  • Phone Number: (210) 201-0007
  • BBB Rating: F
  • Yelp Rating: 2 stars
  • Cars.com Rating: 4.7 stars

The promise:
“If you have experienced one or more of the following setbacks to your finances and your credit score, then the good news is that you may still qualify for a bad credit auto loan here at San Antonio CDJR.”

San Antonio CDJR says those who’ve been turned down elsewhere might find success in getting a loan through them, and that their bad credit auto loans can even help you build credit (which can be true of most loans as long as you pay on time every single month).

The reviews:
San Antonio CDJR doesn’t fare well on the BBB, where it has a solid “F” rating. Most of the negative reviews on Yelp state poor customer service experience from both the sales and service departments and reviews on Cars.com echo that sentiment. There are, however, positive reviews as well on Cars.com, pointing to a pleasant sales experience and customers having their needs met.

Love these reviews, but don’t live in San Antonio? Check out our other bad credit car dealership reviews:
Bad Credit Car Dealerships in Atlanta
Bad Credit Car Dealerships in Houston

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.

Buying a new car? Make sure your credit is in good shape with Upturn Credit’s free tool!

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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