We Finance In-House, No Credit Needed
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Auto Loan Financing in South Houston, TX

At Spencer Auto Sales LLC, we are here to make purchasing your vehicle as easy as possible. We Finance In-House, so that you never have to bother with a bank. We typically finance a term of 24-42months (for specific finance terms, please visit us). We service the greater Houston, and surrounding areas such as Katy, Spring, Cypress, Baytown, Pasadena, South Houston, Sugar Land, League City, Galveston and others within an approx. 75 mile radius of our location*!
 
NO CREDIT CHECKED BASED FINANCING.
That also means you are instantly approved with the following:
 
  • Identification: Texas DL, ID, US or Foreign Passport.(ID de Texas, Licencia de Texas, Pasaporte de USA o extranjero.)
  • Proof of Income: 2 Recent Check Stubs. Bank Statements. Official Award Letters.(Comprobante de trabajo. Hay diferentes maneras de comprobar. Trabajamos con todos.)
  •  Proof of Address: An active Lease AND OR Current Utility Bills.(Comprobante de domicilio. Traiga un bil o algo con su nombre)-
  • Full Coverage Insurance: Your car must be fully insured to cover Comprehensive and Collision.(Seguro de carro completo.)
  • Down Payment: Varies per car.(Enganches dependiendo del carro)
 
Of course, if you need further help, do not hesitate to contact us. As mentioned, we check no credit and everyone gets a second chance at financing.

Vehicle Information

Personal Information

Contact Information

Address Information

Employment

(Alimony, child support or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.)

Desired Lending Terms

I agree that by submitting this application, I authorize and give this dealership, as well as any potential financing source this dealership presents this application to, my consent to obtain my credit report from any credit reporting agency used to complete an investigation of my credit.

By submitting this application, I certify that all information herein is true and complete. I agree I am providing this information to the dealer identified in this application and acknowledge that my information may be shared pursuant to the dealer's privacy policy, if applicable. I hereby authorize this dealer, and any financial institution engaged as a service provider by this dealer, to retain this application and to check and verify my credit, employment and salary history. By submitting this application, I authorize this dealer and/or financial institutions, as they consider necessary and appropriate, to obtain consumer credit reports on me periodically and to gather employment history in order to determine financing eligibility.