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While it's possible to get a new car with a $500 down payment, many opt to purchase pre-owned vehicles because of the many benefits including: A lower interest rate. A lower amount financed. A lower monthly payment. Read More. In our Houston TX 500 down buy here pay here car lots, we specialize in financing people with a range of credit situations.Find Cars Less Than 500 Dollars Down In Houston, Texas. Finding the right car under $500 down in Houston, TX is just a few simple steps away. Each used vehicle in Houston listed can be bought with $500 down. Buy a car with 500 dollars down in Houston and get an auto loan with $500 down at a single convenient Houston Texas location.He finds a dealer to work with through Auto Credit Express and takes out a $8,500 loan at an interest rate of 16% for 48 months (four years). Without tax, title, and license fees or insurance costs factored in, here’s what his loan would look like with different down payment amounts: Down Payment. Monthly Payment. 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