San Marcos Location

Sales : 512-878-0888

2701 N. I35 Frontage Rd. San Marcos, TX 78666

Map & Hours

San Marcos Inventory

I-35 South Location

Sales : 512-280-5333

6809 I-35 South Austin, TX 78744

Map & Hours

I-35 South Inventory

If you're looking to buy a used car but have bad credit or no credit history, a Buy Here Pay Here (BHPH) dealership could be the perfect solution. At Texas Auto Center, we specialize in helping drivers in Austin and San Marcos get approved for reliable transportation, even when traditional lenders say no.

In this guide, we'll explain how our Buy Here Pay Here dealership works, what to expect, and how you can drive away in a quality used vehicle with financing that fits your budget.

What Is a Buy Here Pay Here Dealership?

A Buy Here Pay Here dealership is different from a traditional car dealership because we finance your purchase directly; there's no need to go through a bank or third-party lender. If you've been denied an auto loan elsewhere, our Buy Here Pay Here dealership in Austin and San Marcos offers an opportunity to buy a car with financing based on your income and ability to pay, not just your credit score.

The Buy Here Pay Here Car Buying Process

Step 1: Find a Trusted BHPH Dealership

Not all Buy Here Pay Here dealerships are the same. You'll want to choose one with a solid reputation, quality vehicles, and fair financing terms. At Texas Auto Center, we've been helping Central Texas drivers for years with dependable vehicles and easy financing options.

Step 2: Get Pre-Approved for Financing

Unlike traditional dealerships that focus on your credit history, BHPH financing is based on your income and ability to make payments. To get started, you'll need to provide:

  • Proof of income (such as pay stubs or bank statements)
  • Proof of residence (a utility bill or lease agreement)
  • A valid driver's license

Once approved, we'll discuss a payment plan that works for you, including a down payment and an easy-to-manage schedule.

Step 3: Choose a Vehicle That Fits Your Needs

At Texas Auto Center, we have a wide selection of quality used cars, trucks, and SUVs. Whether you need a fuel-efficient commuter car for driving around Austin or a spacious SUV for family trips to San Marcos, we'll help you find the right match.

Every vehicle on our lot is inspected for reliability so you can drive with confidence.

Step 4: Make Your Payments at the Dealership or Online

Since we finance the car in-house, your payments are made directly to us. We offer convenient payment options online and at our locations in Austin and San Marcos to make keeping up with your loan simple.

Why Choose a Buy Here Pay Here Dealership?

Approval for All Credit Situations

Even if you have bad credit, no credit, or a past repossession, a BHPH dealership offers a way to get approved when traditional lenders won't.

Fast and Easy Process

Because we handle financing in-house, there's no waiting for bank approvals, just quick and easy car buying.

Reliable Vehicles and Flexible Payments

We offer dependable used cars and payment plans that fit your budget, helping you rebuild your credit while driving a vehicle you can trust.

Get Approved Today at Texas Auto Center!

At Texas Auto Center, we make it easy for Austin and San Marcos drivers to buy a reliable car with fast approval and affordable financing, even with bad credit or no credit.

Stop by one of our BHPH dealership locations in Austin or San Marcos today,y or apply online to get started! Your next car is waiting for you.

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