Why Texas Auto Center
At Texas Auto Center, we understand that life happens, and sometimes your credit score can take a hit. But that shouldn't stand in the way of getting a reliable vehicle. With the help of our direct lender, the Colonial Auto Finance, we specialize in providing bad credit financing options tailored to meet your needs. Our experienced finance team works tirelessly to secure the best possible rates and terms, ensuring you drive away with confidence and peace of mind. Whether you have no credit, bad credit, or are rebuilding your credit, we are committed to finding the perfect solution for you.
Our inventory boasts a wide selection of quality used cars, trucks, and SUVs from top manufacturers. Each vehicle undergoes a rigorous inspection to ensure it meets our high standards for safety and performance. You'll find a car that fits your budget and lifestyle at Texas Auto Center. We take pride in offering dependable vehicles that our customers can rely on, mile after mile.
Discover Our Used Car Dealerships Near Austin
Texas Auto Center proudly serves the Austin and San Marcos communities. Our Austin location is conveniently situated to cater to the bustling city and its surrounding areas, offering a vast selection of used vehicles and expert financing services. Just a short drive away, our San Marcos location provides the same exceptional service and quality inventory with the added charm of a smaller town atmosphere. Both locations are staffed with friendly, knowledgeable professionals ready to assist you in finding the right vehicle and financing plan. Visit us today and experience the Texas Auto Center difference.
Why Texas Auto Center
Learn MoreHow Are We Doing?
Contact Us NowFeatured Vehicles
2019 Nissan Rogue Sport
- city: 25 / hwy : 32
- 88,357 miles
- SV
2022 Nissan Kicks
- city: 31 / hwy : 36
- 60,648 miles
- S
2019 Buick Encore
- city: 25 / hwy : 30
- 92,695 miles
- Preferred
2019 Nissan Rogue Sport
- city: 25 / hwy : 32
- 98,269 miles
- S
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Frequently Asked Questions (FAQ)
Got questions about buying a car with less-than-perfect credit? You're not alone. Our Frequently Asked Questions section is here to provide clear, honest answers about our financing process, vehicle selection, approval requirements, and more. Whether you're new to Buy Here Pay Here or just need help getting started, we've got the information you need to feel confident every step of the way.
Buy Here Pay Here financing lets you purchase a vehicle and secure a loan directly through Texas Auto Center, bypassing traditional banks or credit unions. This model is ideal for individuals with poor or no credit history, as we focus on your current income and ability to repay rather than past credit issues.
Getting approved is straightforward. Simply provide proof of income, proof of residence, a valid driver's license, and a list of references. Our in-house financing team will review your application and aim to get you approved within 30 minutes.
To expedite the approval process, please bring:
- Valid driver's license
- Proof of Income (e.g. Recent Pay Stub)
- Proof of Residence (e.g. Utility Bill)
- List of References
Having these documents ready will help us assist you more efficiently.
Down payments typically range from 10% to 20% of the vehicle's purchase price. The exact amount depends on the vehicle's cost and your financial situation. Our team will work with you to determine a manageable down payment.
Yes! We accept trade-ins, which can be used as part of your down payment. This can help reduce the amount you need to finance and lower your monthly payments.
Absolutely. We report your timely payments to major credit bureaus, helping you rebuild or establish your credit history over time.
Once we have all the necessary documentation, we strive to get you approved within 30 minutes. Our goal is to make the process as quick and seamless as possible.
Our inventory includes a wide selection of quality used cars, trucks, and SUVs, typically 7 model years or newer. Each vehicle undergoes a thorough inspection to ensure it meets our high standards for safety and performance.
We offer flexible payment options:
- In-person at our Austin or San Marcos locations
- By phone using a check
- Online through our secure payment portal
Choose the method that best fits your schedule and preferences.
At Texas Auto Center, we finance you, not your credit. We understand that life happens, and we're here to help you get back on the road. With our wide selection of vehicles, flexible financing options, and commitment to customer service, we're dedicated to finding the right solution for you.
Customer Testimonials
Texas Auto Center Testimonials
A Simple Guide to Easy Reviews
Thanks for taking the time to provide a review, we appreciate it. If you’re not sure what to include in your review, here are some tips on providing the most helpful information for our future customers. Ask yourself these questions when providing your review:
- What kind of used car did you buy?
- What service did you have done in our service department?
- Where do you live?
- Did you drive past other options to choose us?
- Which of our employees helped you and how did they do?
- How do we compare to other dealerships you’ve visited in the past?
- Do you have any tips to offer future customers?
If you’re in a hurry, don’t worry, we love short reviews too!
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