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Bad Credit Auto Financing in Houston, TX

Do you have less than ideal credit? No problem. At Archer Kia in Houston, Texas we’re here to use every bad credit auto financing option at our disposal to help get you into your dream car at a dream price. That’s right, our certified Kia dealership is home to exclusive savings offers and a team of automotive financing experts ready to help you. You’ll find vehicle lease options, auto repair financing, and low-rate auto loans available as well. Don’t waste your time elsewhere where credit is going to be the determining factor. Visit our hassle-free auto financing center in Houston, TX today. If you want to see if you’re eligible to get pre-approved for an auto loan or learn more about our bad credit auto financing opportunities, give us a call or fill out our online auto finance application.

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(888) 277-8184

Finance Department

The Basic Components of an Auto Loan from Archer Kia

Down Payment: This is how much cash you pay upfront for your car and is calculated as a percentage of the overall price of the car. Generally, the higher the down payment, the lower your monthly payments will be.


Interest Rate: Also known as the A.P.R. (Annual Percentage Rate), the interest rate is the money you pay a lender to borrow their money. Your credit score, the current market rate, the loan term, and the size of your loan impact your interest rate. The lower the interest rate, the lower your monthly payment.

Loan Term: This is how frequently and long you will be paying your loan. Typical loan terms consist of monthly payments made for 3-5 years. The longer your loan terms, the lower your monthly payment will be.

Find a Model to Buy
Houston, TX | Sugar Land, TX | Missouri City, TX

The Kia fleet available at Archer Kia has a vehicle for everyone, with each model blending fun and function into one driver-friendly machine. The Kia Optima will take your morning commute up a notch with next-level technology options and a sleek, head-turning design. In the market for extra space? Try the Kia Sedona minivan equipped with extra seating, extra safety features, and extra accessories to make driving a pure joy. At our Houston, TX Kia dealership we have Kia Soul models as well. The Kia Soul is a vehicle loaded with a personality ideal for getting you in and out of the city in no time. Schedule a test drive today to see which Kia vehicle you'd like best.

How to Apply for Financing at Archer Kia

Are you ready to go to the next step of financing your vehicle? Fill out our bad credit auto financing application by phone, in person, or right here online. Our auto finance team at Archer Kia in Houston, TX will be standing by, ready to help you into your next Kia vehicle. Please let our team know if you have any other questions!

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Dealership Hours
Mon - Sat 9:00am - 9:00pm
Sunday Closed