What Cars Can I Get for $400 a Month in Livingston & Houston, TX?

10 vehicles that come out to $400 a month or less, estimated at 6.29% APR — the average for excellent credit (781+) — over 72 months with $0 down, Texas sales tax and title, registration and dealer fees rolled in. 9 just had a price cut. See something you like? Start an application and I'll tell you what it takes to put you in it — usually the same day. Buy online with free delivery anywhere in Texas, and I ship nationwide.

Steven Wilson, Kramer Autoplex, Livingston TX

How these payments are figured

Estimates only — not an offer of credit and not a quote. Each one assumes $0 down over 72 months at 6.29% APR for a used vehicle (4.41% new), which is the average rate for excellent credit (781+) in Experian's Q2 2026 lending data, with Texas sales tax of 6.25% and about $258 in title, registration and dealer documentary fees financed along with the vehicle.

Example: a $18,000 vehicle with tax and fees is $19,384 financed; at 6.29% APR for 72 months with $0 down that is $324 a month. Your APR depends on credit approval, term and the lender, and may be higher or lower than the average shown. A down payment or trade-in lowers the payment. These are used vehicles; new ones are priced on request because of dealer-installed equipment. A used vehicle may still carry dealer-installed accessories on top of the price shown — ask and I will confirm before anything is signed.