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This all depends on what your exact score is and what specifically has brought it down. For example, if you have a low score because of charge-offs and collections, but you have paid all of your car loans and mortgage on time, then you might have a better chance of obtaining an approval. On the other side, if most of your credit is perfect, and you have only one bad auto loan, you could still be considered for a loan. Score is not the only factor. We have multiple lenders that work with bad credit financing scenarios to help get you approved.
There are many factors that go into buying a car with bad credit so every case is different. The applicant must have a job or provable income, and depending on the situation, down payment always helps. A co-signer is also a good option to assist in the approval process.
Yes. Getting approved for a vehicle with a bankruptcy is possible. If you meet the requirements in a Chapter 7 or Chapter 13 bankruptcy, we have lenders that are able to approve vehicle loans.
Yes. You can buy a car without a driver’s license; however, you must have some sort of government-issued identification, such as a passport. It will also depend on the lender providing the approval. Either way, keep in mind that you will still need full coverage insurance on the vehicle and a licensed driver must accompany you to drive the vehicle off the dealership lot.
No. You can buy a vehicle with any valid government ID (pending lender approval) or United States driver’s license.
Yes. We have lenders that have first time buyer programs available to assist buyer’s with little or no credit history.
No. Down payments are not required by Red McCombs Drive Away Motors South; however, a lender may require a down payment depending on the structure of their approval. Either way, it is always a good idea to invest in down payment—not only does it lower you monthly payments, it helps put your loan in a better equity position.
Yes. It is possible to buy a vehicle or obtain a loan from certain lenders using a valid, non-expired, passport.
Yes. It is possible to buy a vehicle using an ITIN number and a valid passport. In addition, most lenders require two years of tax returns and two months of bank statements.
A cosigner can assist in the approval process by providing something that the initial applicant is insufficient. Some scenarios where a cosigner would be required are for purposes of additional income or a higher credit score. The cosigner shares equal responsibility in the payment of the loan and will be included on the vehicle’s title.
Although it depends on the lender, most cases require a minimum of $2500 a month gross (the amount made before taxes or anything else is deducted). If the income is insufficient for an approval, a cosigner can be used to secure the loan.
Yes. You can put up to $5,000 on a credit card to use as down payment.
No. Credit cards cannot be used to pay for an entire vehicle; however, you can put up to $5,000 as a down payment towards a vehicle loan.
We aim to help people with damaged credit get approved for financing and find a quality car, truck or SUV at a great price.
We are part of the Red McCombs family of dealerships. We have access to over 1,000 pre-owned vehicles every day and we are constantly bringing in fresh inventory.
Please come visit. We will take care of you, investigate options for affordable financing and work to get you on the road.
Apply Today and Drive Away!
Red McCombs automotive has the best darn team in Texas. Our team just won the San Antonio Express News Top Workplaces Award for the 10th year in a row. We could not be prouder of our wonderful team.
We are located at
1231 SE Military Drive
San Antonio,
TX 78214
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