In-House Auto Financing in San Antonio, Texas

At Empire Auto Group, we believe everyone deserves reliable transportation — regardless of their credit history. That’s why we offer in-house auto financing directly from our dealership, cutting out the banks and putting you in the driver’s seat.

What Is In-House Financing?

In-house financing means Empire Auto Group finances your vehicle purchase directly. There’s no third-party bank or lender involved. We set the terms, we approve you, and we work with your budget to find a payment plan that fits.

Our Financing Options

• In-house buy here pay here financing
• 2nd chance financing for those rebuilding credit
• 3rd chance financing — we don’t give up on you
• First-time buyer programs
• No credit check required to get pre-qualified
• No SSN required for initial approval
• We also accept outside financing if you prefer

What Do I Need to Apply?

• Valid government-issued ID
• Proof of income (pay stubs, bank statements, or tax return)
• Proof of residence (utility bill or bank statement)
• Down payment (varies by vehicle)

Financing FAQ

Q: Will you check my credit?

A: No. We offer no-credit-check financing. Your approval is based on income and ability to pay, not your credit score.

Q: How long does approval take?

A: Most customers are approved within 15 minutes.

Q: Can I get financed with a bankruptcy or repossession?

A: Yes. We specialize in 2nd and 3rd chance financing for customers with past financial challenges.

Q: What are the payment options?

A: We offer weekly, bi-weekly, and monthly payment plans. We’ll work with your pay schedule.

Ready to Get Approved?

Visit either Empire Auto Group location in San Antonio or apply online. No appointment needed.

Culebra Rd: 3802 Culebra Rd, San Antonio, TX 78228 — (210) 627-6074

Bandera Rd: 8187 Bandera Rd, San Antonio, TX 78250 — (210) 281-4019

Open Monday–Saturday, 10 AM – 7 PM

Apply for Financing Online Now