Stevensells cars
Steven's customer taking delivery of a used sedan in East Texas A customer with her newly purchased vehicle at the dealership Two customers collecting their car on the lot after an evening approval A family picking up their vehicle outside the dealership showroom A customer beside the used car she was just approved for
Over a decade in the business

Find the car. Skip the runaround. Any credit, any budget. Same-day answer.

I'm Steven. First car, next truck, trading in or starting over — I've put thousands of people in the driver's seat, and I'll tell you where you stand today, not next week.

Buy online · free delivery anywhere in Texas Nationwide delivery available Se habla español
10+Years selling
ThousandsDrivers helped
All creditWelcome here
Same dayApproval answer

Shop by budget

Under $300/mo Under $400/mo Under $500/mo Under $600/mo Under $800/mo Under $1,000/mo Under $25k

Estimated payments include Texas tax and fees, $0 down over 72 months at average rates. Not an offer of credit.

Real customers

Delivery day.

Every one of these is somebody who got approved and drove home. No stock photos anywhere on this page.

How it works

Three steps. No surprises.

Most people put off applying because they're afraid of the answer. Here's exactly what happens when you send yours in.

1

Tell me how to reach you

Your name and mobile number — about twenty seconds, and no credit check yet. The full application comes after, once you know what this is.

2

I shop it for you

Your application goes to a wide network of lenders, including the ones that work with thin or damaged credit. I chase the terms that fit your budget, not the ones that pay me best.

3

You get a straight answer

Same day, I tell you exactly where you stand — what you're approved for, what the monthly actually is, and what would move the number if you want it lower.

Steven Wilson outside the dealership
My story

Honesty and access.
That's the whole thing.

I've been selling cars for over a decade and put thousands of people in the driver's seat. The sentence I hear most is “I've already been turned down.” Most of the time that just means nobody shopped it properly.

My whole approach comes down to two things: being honest, and being reachable. I work with a wide network of lenders — including the ones that will actually look at thin credit, or no credit at all — so I can tell you what you really qualify for instead of guessing at it.

You'll always know where you stand with me. What the payment is, what it's built from, and what it would take to do better. No pressure and no runaround — just a straight answer from somebody who's been doing this a while.

"My mission is to help everyone — regardless of credit history — secure their dream car."

Away from the lot I build software for the car business. I created LotReel, a video platform dealerships use to send customers a personalized walkaround of the exact vehicle they asked about instead of another “just checking in” text. It came out of this job — the follow-up I wanted to be able to send my own customers.

Videos

Let's ask the team.

Short videos where I ask the Kramer Autoplex team real questions, from what they drive to the biggest mistakes buyers make. Amber Renee and Seth Brown-Hickman appear with me in many of them.

Amber Renee, Seth Brown and Steven Wilson at Kramer Autoplex: What motivates the team? ▶ Play
Amber Renee, Seth Brown and Steven Wilson at Kramer Autoplex: What motivates the team?Steven asks the Kramer Autoplex team what motivates them.
Amber Renee, Seth Brown and Steven Wilson at Kramer Autoplex: Who's the best salesperson here? ▶ Play
Amber Renee, Seth Brown and Steven Wilson at Kramer Autoplex: Who's the best salesperson here?Steven asks the Kramer Autoplex team who the best salesperson on the lot is.
Seth Brown and Steven Wilson at Kramer Autoplex: Who wouldn't you let date your daughter? ▶ Play
Seth Brown and Steven Wilson at Kramer Autoplex: Who wouldn't you let date your daughter?Steven asks the Kramer Autoplex crew who they wouldn't let date their daughter.
How much do car salespeople make? ▶ Play
How much do car salespeople make?Steven asks the Kramer sales team how much money they'll make this month.
Amber Renee, Seth Brown and Steven Wilson at Kramer Autoplex: Who has the hardest job here? ▶ Play
Amber Renee, Seth Brown and Steven Wilson at Kramer Autoplex: Who has the hardest job here?Steven asks the Kramer Autoplex team who has the hardest job at the dealership.
Seth Brown and Steven Wilson at Kramer Autoplex: What do you do outside of work? ▶ Play
Seth Brown and Steven Wilson at Kramer Autoplex: What do you do outside of work?Steven asks the Kramer Autoplex team what they do outside of work and what their hobbies are.

See all the videos About Steven

The short answer

Can you get approved for a car with bad credit in Houston or East Texas?

Yes. Bad credit, thin credit and no credit history are all financeable in Texas. Steven Wilson, Sales and Social Media & Marketing Manager at Kramer Autoplex in Livingston, shops each application across a wide network of lenders — including lenders that specifically work with damaged or limited credit — and gives you a same-day answer on what you actually qualify for. Starting takes about twenty seconds and no credit check, and you can buy online with free delivery anywhere in Texas — Houston and East Texas included.

  • WhoSteven Wilson, Kramer Autoplex
  • WhereBased in Livingston — serving Houston & East Texas
  • BuyingOnline, with free delivery anywhere in Texas
  • CreditGood, bad, none — all considered
  • AnswerSame day
Where I deliver

Based in Livingston. Serving Houston, East Texas and the whole state.

I'm based in Livingston at Kramer Autoplex, and I sell to people all over Houston and East Texas. You can buy online — the application, the approval and the purchase happen wherever you are, and delivery anywhere in Texas is free.

Common questions

What people ask before they apply.

Can I get a car with bad credit in Houston?

Yes. Applications go out to a wide network of lenders, including the ones that work with thin or damaged credit, rather than to a single bank. You get a same-day answer on what you're approved for and what the payment actually is.

What if I have no credit history at all?

No credit is still financeable. First-time buyers with no history are a normal part of this — the lender network includes lenders who look at applicants with no established credit file.

I've already been turned down somewhere else. Is it worth trying again?

Usually, yes. A turndown at one dealership means one set of lenders said no, and most of the time it just means the application wasn't shopped properly. A different lender network can produce a different answer.

Does starting an application hurt my credit?

The first step is just your name and mobile number — about twenty seconds, and no credit check at that stage. The full application, which does involve a credit check, comes afterwards, once you know what you're dealing with.

How long does it take to find out if I'm approved?

Same day. You'll be told exactly where you stand — what you're approved for, what the monthly payment is built from, and what would move the number down if you want it lower.

Can I buy a car online without coming to the dealership?

Yes. You can buy online, and delivery anywhere in Texas is free — so buyers in Houston, The Woodlands, Conroe, Lufkin, Huntsville and the surrounding towns never have to make the drive to Livingston. Nationwide delivery is available outside Texas.

Can I see the car before I commit?

The current inventory is listed live on this site, and there are walkaround videos and full vehicle tours on the vehicles that have been filmed — so you can see the actual car, not a stock photo, before you decide.

Do you speak Spanish?

Yes — I speak Spanish, so we can do the whole thing in Spanish: your questions, the application and delivery. The site is in Spanish too: ver en español.

Follow along

See what just landed.

New arrivals and walkaround videos go up here first.

Let's find out what you qualify for.

Twenty seconds to start. Worst case you find out exactly where you stand — and that's worth knowing either way.

Enlarged photo
Text Steven Get Pre-Approved