Buy Here Pay Here
In-house financing. We approve you and you pay us directly — no banks in between.
Buy Here Pay Here car dealer in Laredo, Texas
Drive the extraordinary.
Scroll to ignite
01The arrival
We don't sell cars. We hand over keys.
Cars, trucks, SUVs and collector pieces — hand-picked one by one, with in-house financing.
02Your job is your credit
No bank. No credit. No problem.
We're Buy Here Pay Here: we approve you here and you pay here. No middlemen, no runaround.
03Financing
You can finance up to
$0USD
- Instant approval
- Low down payment
- Drive today
ESC 00Ignition
27.53° N · 99.50° WLAREDO, TX
The Espinal manifesto
We believe your dream car shouldn't depend on a bank. That's why we finance in-house, approve in minutes and hand you the keys the same day. Quality, trust and first-class treatment.
0Google rating
0Verified reviews
0Maximum financing
0From approval to your keys
Services
Everything you need to drive away.
01/05
Instant approval
Bring your ID and proof of income. We give you an answer in minutes, not weeks.
Your job is your credit
No history or bruised credit? What counts is your job. We say yes when others say no.
Low down, easy payments
We build a plan around you, with an accessible down payment and payments that fit your budget.
Drive today
Sign, get your keys and drive away. Same day.
The collection
On the lot right now.
Inventory moves fast. Message us to confirm availability and price on any unit.
In-house financing
Four steps. Zero banks.
- 01
Pick your car
Visit us on San Dario or message us about the unit you liked.
- 02
Bring your papers
ID, proof of income and proof of address.
- 03
Approved in minutes
We review your case on the spot and build your plan.
- 04
Keys in hand
Sign and drive away the same day.
Payment estimator
Term (months)
Pay
Est. monthly payment$0
Amount financed$0
Rates from 1% to 8% APR. This is an estimate: your actual rate, down payment and term depend on your approval.
I want this plan“Great place, great selection and fast paced environment. 100 percent recommend.”
Google review
“Great cars, great financing, and excellent service.”
Google review
“The quality of the car is outstanding, and I can tell it was well taken care of.”
Google review
Pre-qualification
Your next key starts here.
Leave your info and we'll reach out with your plan. You can also WhatsApp us at (956) 482-2966 or call (956) 516-7781.
FAQ
Questions, answered.
- Dealer
- Espinal Auto Collection
- Type
- Buy Here Pay Here used car dealership
- Locations
- 3801 San Dario Ave (main lot) · 2613 San Dario Ave (opening mid-Nov 2026)
- Financing
- In-house, up to $180,000 USD
- Vehicles
- Cars, trucks, SUVs and luxury
- Rating
- 4.6 / 5 · 34 Google reviews
- Languages
- English & Spanish
- Phone
- (956) 516-7781
- +1 (956) 482-2966
What does Buy Here Pay Here mean?
At Espinal Auto Collection the dealership is also the lender. We approve your financing in-house and you make your payments directly to us — no bank involved.
Can I buy a car in Laredo with bad credit or no credit?
Yes. With Buy Here Pay Here your job is your credit. We work with customers who have no credit history or damaged credit.
What do I need to get approved?
Usually a valid ID, proof of income and proof of address. Call or text (956) 516-7781 to confirm what applies to your case.
How much can I finance?
Up to $180,000 USD, depending on the vehicle and your approval — from everyday cars and trucks to luxury SUVs like the Mercedes-Benz G-Class.
What interest rate do you charge?
Our in-house rates go from 1% to 8% APR, depending on your approval, down payment and term. Use the payment estimator above or message us on WhatsApp for your exact rate.
Can I drive home the same day?
In most cases, yes. Once you are approved and sign, you drive away the same day.
Where is Espinal Auto Collection and what are the hours?
Main lot: 3801 San Dario Ave, Laredo, TX 78041. Monday to Thursday 9 am–7 pm, Friday 9 am–7:30 pm, Saturday 10 am–5 pm, closed Sunday. New location: 2613 San Dario Ave, Laredo, TX 78040, opening mid-November 2026 (hours to be announced).
Does Espinal Auto Collection have more than one location?
Yes. Our main lot is at 3801 San Dario Ave, Laredo, TX 78041, and a second location opens in mid-November 2026 at 2613 San Dario Ave, Laredo, TX 78040 — less than a mile south on the same avenue.
Can I contact Espinal Auto Collection on WhatsApp?
Yes. Message us on WhatsApp at +1 (956) 482-2966, or call or text (956) 516-7781. We answer in English and Spanish.
What kinds of vehicles do you sell?
Cars, trucks, SUVs and luxury vehicles: Mercedes-Benz G-Class, Cadillac Escalade-V, Land Rover Defender, Range Rover Sport, Audi Q7, Infiniti QX80, Jeep Wrangler Rubicon, GMC Sierra, Ram 1500 and more. Inventory changes every week.
Do you speak Spanish?
Yes. We serve customers in English and Spanish — hablamos español.
Visit us · Two locations
See you on San Dario.
Main lot
3801 San Dario Ave
Laredo, TX 78041
- Mon – Thu9:00 – 7:00 pm
- Friday9:00 – 7:30 pm
- Saturday10:00 – 5:00 pm
- SundayClosed
New location
See the location →
2613 San Dario Ave
Laredo, TX 78040
Hours to be announced. Message us on WhatsApp for details.
Get directions →See the location →
Contact
956-516-7781
WhatsApp 956-482-2966
Espinalautocollection@gmail.com