100% In-House Financing. No Banks. Your job is your credit.

JK

John Kamal Cars Houston · Buy Here, Pay Here

Mobile App · Free

Download the John Kamal Cars App

Make a payment, schedule service, browse our inventory, get directions, and refer friends — right from your phone. Available in English & Español.

Open the App → johnkamalcars.netlify.app

iPhone: open in Safari → Share → Add to Home Screen

Android: open in Chrome → tap Install app

Scan to installEscanea para instalar

How Our In-House Financing Works

Step 1 — Apply online. Start with our quick online application — it’s the fastest way to get going. You’re free to pick any car you like, but at the end of the day we want to set you up for success: your application helps us understand your income and what’s comfortable for your budget, so we can point you toward the price range and vehicles that best fit your situation. Our goal is to get you into the car you actually want — and the more you can tell us about what you need (an SUV, truck, or sedan; room for a family of five or seven; a gas-saver for the commute), the better we can guide you through our 100-plus vehicles to the right one. Apply Now.

Step 2 — Pick your car. Browse our lot in person or shop online. Most of our inventory is model years 2016–2025, with roughly 60k–90k miles (some as low as 50k miles).

Step 3 — Bring or upload your documents. We finance in-house, so there’s no bank — your job is your credit. Bring proof of income, proof of address, references, a valid ID, and a down payment, and we’ll get started. Or upload your documents by text — after you click Apply Now and complete the application, we’ll send you a secure link to upload everything right from your phone.

Step 4 — Drive home today. Down payments are kept as low as possible and depend on the vehicle you choose and your situation. A higher down payment may be required for some vehicles. We set your payments to your payday — bi-weekly, semi-monthly, or monthly. We offer vehicle-upgrade incentives for our repeat customers. Questions? Call (832) 680-5892.

Already a customer? Three easy ways to pay.

⭐ Most of our customers choose AutoPay. It pulls your payment automatically on your payday — nothing to remember, and no way to fall behind. We strongly recommend it; just ask your account manager to set you up at (832) 631-9086 or (346) 646-4174, or call (832) 447-1511 and press option 3.

1. Online. Pay through our secure portal — Make a Payment →. For your car payment, use your account number; for your CPI payment, use your account number followed by _CPI (account#_CPI).

2. By phone, 24/7. Dial (832) 447-1511 and press option 2 to key in your payment anytime — day or night. You’ll first enter the mobile number on your account (the cell number you gave us when you bought your vehicle — it must match the number we have on file). Once it’s verified, for your car payment, enter your account number; for your CPI payment, enter your account number followed by _CPI (account#_CPI).

3. With your account manager. During business hours, call or text (832) 631-9086 or (346) 646-4174 to make a payment or ask about your account — or dial (832) 447-1511 and press option 3. Account managers are available Mon–Fri 9 AM–6 PM and Sat 9 AM–5 PM.

What is CPI? CPI stands for Collateral Protection Insurance — a charge tied to your vehicle under the terms of your finance contract. If you have questions about your CPI account or your insurance requirements, call or text your account manager at (832) 631-9086 and we’ll walk you through it.

Please note: Online and phone payments are offered for your convenience. Both your car payment and your CPI account must be kept current. If both are not paid, your ability to pay online or by phone may be turned off — and payment will then need to be made by calling or texting your account manager directly, or in person, during normal business hours: Monday–Friday 9 AM–6 PM and Saturday 9 AM–5 PM.

Reach the right department

Our main line, (832) 447-1511, connects you to every department — just follow the menu. Texting is often the fastest way to get a real answer — skip the hold time, reach us on your own schedule, and keep every detail in writing.

Service Department — call or text (346) 601-7119. For repairs, maintenance, and to schedule a service appointment. Service hours: Mon–Fri 9 AM–6 PM, Sat 9 AM–2 PM (no service appointments on Saturdays). When you text, include your first and last name, the last 6 of your VIN (your account number), and what your vehicle is doing — that usually gets you a much faster answer.

Title & Registration — call or text (832) 482-9035, or (832) 447-1511, option 5. For license plates, registration stickers, and title questions.

Behind on your account? Reach out to your account manager — call or text (832) 631-9086 or (346) 646-4174, or dial (832) 447-1511 and press option 3.

Going through a hardship? If a major life or job event has affected your income and your ability to pay — for example a job loss, a medical emergency, a cut in your hours, or a large unexpected expense — please call or text our Recovery department right away at (346) 547-8750. Our goal is to keep you in your vehicle while helping you stay on track with your payments.

Were you in an accident? Call or text our dedicated tow line at (832) 366-5094 to schedule a tow from the scene. Then call or text our Recovery department right away at (346) 547-8750 and let us know your first and last name, your vehicle, and what happened — we’ll help get your vehicle towed to the dealership and help you get back and forth while it’s handled.