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Business Details
28 Years
experience
Your Trusted Used Car Dealership with In-House Financing in Houston
Since 1998, Carnes Motor Company has been a trusted provider of in-house auto financing solutions in South Houston, Texas. Our dealership specializes in offering accessible vehicle purchase options for customers with diverse credit histories, including bad credit, no credit, or past financial challenges. With a 95% approval rate, we prioritize customer satisfaction by providing late-model pre-owned cars, trucks, vans, and SUVs at competitive prices. Our experienced team serves the Greater Houston area, including Bellaire, Pearland, Galveston, and League City, with transparent financing terms and low down payments.

We maintain an extensive inventory of vehicles from leading manufacturers like Chevrolet, Ford, Toyota, and Honda, ensuring quality options for every budget. Our commitment to rebuilding customer credit through reliable transportation has established us as a community-focused dealership dedicated to long-term client relationships.
Services
In-House Auto Financing Buy Here Pay Here Used Car Sales Bad Credit Financing Vehicle Inventory Second Chance Financing
Details
  • Year established: 1998
Highlights and features
  • 95% approval rate for in-house financing applications
  • Serving Houston communities since 1998 with reliable vehicles
  • Low down payment options for all credit types
  • No credit history requirements for vehicle purchases
  • Extensive inventory of late-model pre-owned vehicles
Services
In-House Auto Financing
Our in-house financing program provides accessible vehicle purchase options for customers with bad credit, no credit, or past financial challenges. With a 95% approval rate and flexible terms, we help rebuild credit through reliable transportation. Serving Houston and surrounding communities since 1998.
Buy Here Pay Here
The Buy Here Pay Here program offers simplified vehicle purchases with direct financing through our dealership. Customers enjoy transparent terms, low down payments, and monthly payments tailored to their budget without traditional credit requirements.
Used Vehicle Sales
We offer a wide selection of late-model pre-owned cars, trucks, SUVs, and vans from trusted brands like Chevrolet, Ford, Toyota, and Honda. Our inventory includes hand-picked vehicles with competitive pricing and reliable performance.
Bad Credit Financing
Specialized financing solutions help customers with bad credit or financial history challenges secure reliable transportation. Our program focuses on rebuilding credit through consistent payment history and accessible approval criteria.
Second Chance Financing
Designed for customers needing financial redemption, this program offers vehicle financing opportunities after bankruptcy, repossession, or other credit setbacks. We provide supportive terms to help restart your automotive journey.
Questions
What credit score do I need for approval?
We don't require minimum credit scores. Our 95% approval rate accommodates bad credit, no credit, and past financial challenges.
Do you offer financing for first-time buyers?
Yes, our program helps first-time buyers establish credit history through accessible vehicle financing options.
What vehicles are available in your inventory?
We feature late-model pre-owned cars, trucks, SUVs, and vans from Chevrolet, Ford, Toyota, Honda, and other trusted brands.
How does your in-house financing work?
Our direct financing program eliminates third-party lenders, offering simplified approval with low down payments and budget-friendly monthly terms.
Which areas do you serve?
We serve Houston and surrounding communities including Pearland, Galveston, League City, Bellaire, and Pasadena.
Reviews (7)
Enrique
Jun 10, 2022 Report
Very pleasant service and professional thank you Gus for all you done with my sale of my new 2013 Ford explorer
Tiffani Nelson
Jun 03, 2022 Report
Carnes Motor Company has been amazing to work with! They listened carefully to what we were looking for and picked the best of their lot to show us. We have had some terrible experiences with buy here pay here dealerships but Carnes has been honest and up front the entire time. The car is in amazing condition just like they said it would be. They make the entire process stress-free and enjoyable.

They will do everything they can to help you or to make sure you are happy with your car. We will definitely be using them for future vehicle purchases for sure! Thank you Carnes family for getting us exactly what we needed and working with us in any way needed.
Courtney
Jan 28, 2022 Report
We purchased my husbands truck from here several months back. We had the best experience from the moment we decided on a truck. Everyone was super helpful and the finance was a breeze. They work with a payment that works for your budget. I will definitely be a customer for life.
Shaneo Sadler
Jan 27, 2022 Report
This is the worst car company ever dont waste your time with these. People Liz And Gus are the worst people ive dealt with i wish i could talk with the owner of this used over priced car lot these people are liars and will mess you over Liz is a black widow Please take your money elsewhere i pray to GOD that this place close down so they cant mess over no one else do not waste your hard earn money with these people 13 news will here about this place.
Saul Chapa
Nov 08, 2021 Report
I purchased my Ford Mustang here, salesman Gus made it happened. I was Super pleased with the help and awesome customer service. Great place!
Idalia A. Velasques
Sep 23, 2021 Report
Great dealership! Gustavo is awesome! Helps in anyway he can & I'm beyond pleased on the car that I got from them! Great peopl & great customer service!
Celine Luv
Jul 29, 2021 Report
This company is an awesome place to buy from. This is my third vehicle from them and all were reliable and dependable, no issues what so ever. I came upon financial hardship and Liz worked with me to get me caught up. I would strongly recommend them. If you are looking for a used vehicle in the future and want to feel comfortable buying. This is definitely the place to shop.