Buy Here Pay Here in Austin, TX
Buy here pay here in Austin means you pick a used car from our lot on Hwy 290 East and make your payments to us, not to a bank. Used Car Dealers Austin is a locally owned dealership that finances in-house, so your job, your residence, and your down payment carry more weight than a credit score. Browse the cars in stock, then start your finance application online.
How Buy Here Pay Here Works at Our Lot
With a bank loan, the dealer sells you the car and a separate lender decides whether you get approved. With buy here pay here, the dealership is the lender. We work with you directly, with no third-party lenders in the middle, so the people who show you the car also set up your payment plan. If you want the details on that side of it, here is how our in-house financing works.
- Pick a car. Many of our listings show the down payment and monthly payment in the title, so you can see what fits before you visit.
- Apply online or at the lot. The application takes a few minutes, and a used car advisor calls you back to go over your options.
- Bring your documents. Proof of residence, proof of income, your license, your down payment, and insurance (the full list is below).
- Drive home and make your payments to us.
Who Buy Here Pay Here Helps
Buy here pay here is built for buyers a bank turns away or never calls back. That includes first-time buyers, buyers with no credit history, and buyers rebuilding after bad credit. Self-employed buyers can qualify with bank statements and tax returns, and a driver’s license from another state or country can work too. Call us for terms.
What to Bring When You Apply
- 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 complete checklist, including how many pay stubs and statements we need, is on our financing requirements page. Bringing everything on your first visit is the fastest way to drive home the same day.
Down Payment and Monthly Payment
Your down payment and monthly payment depend on the car you pick and on the documents you bring. The down payment 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. Ask a used car advisor before you visit and we will tell you where you stand.
Picking a Car That Fits Your Budget
Our inventory updates daily with sedans, SUVs, and trucks. Every listing shows the price, mileage, and VIN, and extended warranties are available on many vehicles (conditions apply). If you are shopping on a tight budget, start with our budget used cars. We do not take trade-ins right now, so plan your down payment in cash or on a card.
Visit Our Buy Here Pay Here Lot in Austin
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.
Buy Here Pay Here FAQ
Do I need good credit for buy here pay here?
No. Because we finance in-house, we work with buyers who may not qualify at a bank, including buyers with bad credit or no credit. Your income, residence, and down payment matter most.
How much is the down payment?
It depends on the car and your documents. Many listings show the down payment and monthly payment in the title, and a used car advisor can confirm yours after you apply.
Can I trade in my current car?
Not right now. We do not currently accept trade-ins, so your down payment is paid in cash or by credit card.
Do I need a Texas driver’s license?
A Texas license is standard. A license from another state or country can work; call us for terms.
What insurance do I need?
Full coverage with the dealership listed as lienholder. You can set it up the same day you buy.
Can I apply before I visit?
Yes. The online finance application is on our financing requirements page, and a used car advisor will call you back to go over your options.