Apply for Used Car Financing

Fast, friendly approvals for drivers with credit scores of 575+ and no recent repossessions. We protect your credit by working with select lenders only. Serving League City, Clear Lake, Clear Lake Shores, Dickinson, and Webster from our lot on Hwy 3.

Learn more about second chance auto financing in League City.

Testarossa Motors Loan Process

Browse Inventory

Browse our inventory online or in person, and choose the vehicle you want.

Online Application

Complete the online application below to get started with your auto loan process.

Get Approved

We work with select lenders to find you the best rate.

Drive Today

Closing is usually a short process and you can expect to close in less than a day.

Financing guidelines

We want to ensure that we give you a realistic outlook of our ability to help you achieve financing. These are some guidelines to follow before applying to finance a vehicle with us:

Credit score typically 575 or higher
No repossessions in the last 2–3 years
Steady income (employment or self-employed) – with at least $2,000 per month on deposits or paystub.

Financing FAQ

What credit score do I need to finance a car at Testarossa Motors?

Our financing guideline is a credit score of 575 or higher with no recent repossessions. The lender makes the final decision on every application.

Are you a buy here pay here lot?

No. We’re not buy here pay here. We send your application to outside lenders, and the lender you’re approved with makes the loan.

Which lenders do you work with?

We work with an extended network of lending partners, and we send your application to select lenders only to help protect your credit.

Will I be approved?

We can’t promise approval, because the lender decides. I’ll tell you honestly where you stand as soon as I hear back. — Deborah

How long does approval take?

It depends on the lender and on how quickly you can provide the documents they ask for, so we don’t promise a timeline. Read more: how long used car financing approval takes.

What should I bring?

A driver’s license, proof of income (recent pay stubs), proof of residence (a utility bill or lease), proof of insurance, and your down payment. The lender may ask for more. See what stipulations on a car loan are.

I’ve had credit trouble before. Can I still apply?

Yes, you can apply. If your score is 575 or higher and you have no recent repossessions, there’s a good chance we can help you find a lender. See second chance auto financing in League City.

Can I talk to someone first?

Yes. Call me at (281) 332-6568 or stop by our lot on Hwy 3 in League City. — Deborah