Bad Credit Car Dealership in Austin, TX
A low credit score does not have to stop you from buying a car. Used Car Dealers Austin finances used cars in-house from our lot on US Hwy 290 East, so we look at your job, your residence, and your down payment, not only your score. Browse the used cars on our lot, then apply for financing online.
How We Look at Your Application
Banks and credit unions lean hard on your credit score. Because we finance the car ourselves, we can weigh more of your situation. We work with buyers who may not qualify elsewhere, and we work with you directly, with no third-party lenders. Here is how our in-house car financing works, step by step.
- Your income: recent check stubs, bank statements, and W-2s or tax returns.
- Your residence: a lease and utility bills in your name.
- Your down payment: paid in cash or by credit card, in person.
What Affects Your Down Payment
The down payment depends on the car you pick and the documents you bring. The amount shown on a listing assumes all finance requirements are met. Living outside the Austin area, or not having a lease or utility bills in your name, can mean a higher down payment. Many listings show the down payment and monthly payment in the title, so you can compare before you visit.
What to Bring
- Proof of residence, such as a lease and utility bills.
- Proof of income, such as recent check stubs, bank statements, and W-2s or tax returns. Self-employed buyers bring bank statements and tax returns or 1099s.
- A driver’s license. Texas licenses are standard; other states and countries are OK with a call for terms.
- Your down payment, in cash or by credit card, paid in person.
- Full-coverage insurance with the dealership listed as lienholder, which you can set up the same day.
The full list is on our financing requirements page. Bringing everything on your first visit is the fastest way to drive home.
Tips for Buying a Car With Bad Credit
- Set a monthly budget that includes insurance, fuel, and upkeep, not just the payment.
- Pick a car that fits the budget, then talk about the payment, not the other way around.
- Ask for the total price, the number of payments, and the interest rate before you sign.
- Ask whether your payments are reported to the credit bureaus.
- Pay on time, every time. Late payments cost more and can put the car at risk.
If you are shopping on a tight budget, start with our budget used cars under $10,000, or read how buy here pay here works at our lot.
Visit Our Lot on Hwy 290 East
Used Car Dealers Austin
6825 US Hwy 290 East #B, Austin, TX 78723
Phone: (512) 777-9180
Hours: Monday to Saturday, 11:00 am to 6:00 pm. Closed Sunday.
Call ahead and we can have the car you want ready for a test drive. Directions are on our Map and Hours page, or send us a message.
Bad Credit Car Buying FAQ
Can I buy a car with bad credit in Austin?
Often, yes. Because we finance in-house, your income, residence, and down payment matter as much as your score. The finance application is the fastest way to find out.
Can I buy a car after a repossession or bankruptcy?
Talk to us. We review each application on its own, and a used car advisor will go over your options after you apply.
Do I need a cosigner?
No. We offer loans with no cosigner required.
Do you take trade-ins?
Not right now, so plan your down payment in cash or on a card.
Can I see the payment before I visit?
Many listings show the down payment and monthly payment in the title. Call (512) 777-9180 to confirm the car is still available.