Home / Bad Credit Car Loans
Texas Statewide · All Credit Types
Your credit score does not define your ability to get a car in Texas. ReApprove Auto connects bad credit buyers with in-house lenders and BHPH dealers who make approval decisions based on income — not your past.
Check My Pre-Qualification — 60 Seconds →No hard credit pull · No SSN required · Bad credit welcome
Traditional banks turn away buyers with scores below 650. BHPH dealers don't.
Factor
Bank Loan
BHPH / In-House
Credit score required
650+
None
Approval speed
Days to weeks
Same day
Min. down payment
10–20%
From $999
Income verification
W-2 only
All income types
Repo history
Disqualifying
Accepted
Bankruptcy
Disqualifying
Accepted
Pre-qualify online — no credit pull
Enter your monthly income. We use a soft check only. No SSN, no bank access required.
Get matched with an in-house lender
We connect you with BHPH dealers and subprime lenders in your area who work with your credit situation.
Pick your car, pay your down payment
Choose from available inventory. Bring your down payment (starting at $999). Sign paperwork.
Drive home today
Most approvals and drive-offs happen the same day. Make payments directly to the dealer — no bank middleman.
How do I get a car loan with bad credit in Texas?
The fastest way is through a buy here pay here dealer or subprime lender who approves based on income rather than credit score. ReApprove Auto pre-qualifies you in 60 seconds and matches you with the right lender.
What credit score do I need to get a car loan in Texas?
With in-house financing (BHPH), there is no minimum credit score. We work with buyers who have scores as low as 300, or no credit history at all. What matters is your income.
Can I get a bad credit car loan with $999 down in Texas?
Yes. Many of our partner dealers and lenders accept down payments as low as $999 for buyers with bad credit. The exact minimum depends on the vehicle price and your income level.
Will applying hurt my credit score?
No. Our pre-qualification process uses a soft inquiry — it does not affect your credit score. You only go through a hard pull if you move forward with a specific lender or dealer.
Start your 60-second pre-qualification. No bank. No broker. Just you, your income, and keys.
Pre-Qualify — $999 Min. Down →