Kelley Autoplex — Reliable used vehicles · Buy here, pay here financing available · No credit check required
|View InventoryKelley Autoplex
Buy here, pay here financing available. No credit check required. No proof of income required. Final approval and terms are handled by our dealership team.
No credit check required
Fill out the form and tell us which car you are interested in. If you are still deciding, leave the vehicle field blank and we will help you narrow it down.
Buy here, pay here financing available.
Vehicle interest is attached to your request when selected.
Final approval and terms are handled by our dealership team.
Kelley Autoplex offers buy here, pay here financing. No credit check is required, no proof of income is required, and a state ID is accepted. Insurance is required before delivery. Customer must reside in Texas. Final approval and terms are handled by our dealership team.
Three simple steps from browsing to driving home.
Browse our inventory online or visit our lot to find the right car for you.
Buy here, pay here financing available — we carry the note in house. No credit check required and no proof of income required. A team member reviews your request and calls you with next steps.
Bring your state ID and proof of insurance, complete your paperwork with our team, and drive off. A down payment may be required, and final approval and terms are handled by our dealership team.
Another option
Our buy here, pay here financing is the in-house option above, and it needs no credit check. If you would rather bring outside financing, your existing bank already knows you — which can mean better rates and more control over your loan terms. These lenders run their own credit checks and set their own terms.
Better rates — credit unions often beat dealer financing
More control — you choose your terms and lender
Faster process — pre-approval lets you shop with confidence
Contact your bank or credit union about an auto loan
Share the vehicle details (year, make, model, VIN, price)
Get pre-approved before visiting us
Bring your approval letter — we handle the rest
If you are bringing your own financing, these lenders work across the credit spectrum. Our in-house buy here, pay here financing needs no credit check.
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Alternative option if you are still building credit
Specializes in helping customers with limited or lower credit histories get behind the wheel.
Learn moreA quick comparison to help you decide.
| Your bank / credit union | Buy here, pay here (in house) | |
|---|---|---|
| Rates | Typically lower | Varies |
| Control | You choose your terms | Limited options |
| Speed | Depends on your lender | Our team reviews and calls you |
| Credit check | Yes — the lender pulls your credit | No credit check required |
We keep things flexible so you can pay the way that works for you.
Pay in full and drive away the same day.
We accept major credit cards for your convenience.
Bring your current vehicle and apply its value toward your purchase.
We believe buying a car should feel straightforward, not stressful.
No salvage, no flood damage, no surprises.
We walk you through every step so there are no hidden fees.
We live here, we work here, and our reputation matters to us.
Questions after the sale? We are still here to help.
No credit check is required for our buy here, pay here financing. We carry the note in house, so your credit score is not what the decision rests on. Final approval and terms are handled by our dealership team.
No proof of income is required. Bring your state ID and proof of insurance, and our team will go over the rest with you in person.
A valid state ID — a driver's license is not required, a state ID is accepted. Insurance is required before delivery, and you must reside in Texas. A down payment may be required.
Submitting the form is a request, not an approval. It tells our team what you are looking for so a team member can call you and go over your options and next steps. Final approval and terms are handled by our dealership team.
Yes. Some of our vehicles are sold as cash cars, and you are always welcome to arrange your own financing through your bank or credit union. We also accept credit cards and trade-ins.
Visit us
Stop by, give us a call, or browse our inventory online. We are here to make the process easy.
No credit check required. No proof of income required. State ID accepted. Insurance required. Texas residents only.
Dealership
Kelley Autoplex
Address
5803 San Pedro Ave., San Antonio, TX 78212
Phone
(210) 251-3644Hours
Sun: Closed · Mon–Sat: 9:00 AM – 7:00 PM