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Seven Used Car Life Hacks You Should Know About

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SEVEN USED CAR LIFE HACKS YOU SHOULD KNOW ABOUT 1.   LEARN TO BUFF AND POLISH YOUR CAR’S PAINT This might sound overly ambitious to some, but we can assure you it’s not as hard as it sounds. Your car’s clear coat takes a lot of abuse in the hot Texas sun. Many light to moderate scratches can be caused by automatic car washes, and contaminates from bird droppings can often eat through the clear coat entirely. A good way to protect your paint is to wax your car at least two times a year. If your paint is starting to look a little hazy and covered in light scratches, simply applying wax isn’t sufficient. You’ll need to buff and polish the paint’s surface to remove oxidation and light scratches prior to wax application. The key is to purchase a dual-action buffer, and not orbital buffers that can easily leave swirls or burn through your car’s clear coat. A dual action buffer is easy to operate and can reward any amateur detailer with professional-caliber results.   2.   UPGRADE AND MODERNIZE YOUR INTERIOR LIGHTING WITH LED LIGHTING Most used vehicles use incandescent bulbs that produce a dim “yellow” illumination throughout the interior. They’re frequently hot to the touch, use a lot of power and simply don’t produce a lot of light. To solve this problem, you should switch your interior lights to a high-quality LED bulb from manufacturers like Sylvania, Philips or Morimoto. This is a very simple modification and it makes a tremendous difference in overall light output. The pure white illumination is striking and it makes the interior of any vehicle seem more modern. 3.   REMOVE HARD WATER SPOTS FROM YOUR CAR’S PAINT WITH CITRUS-BASED PRODUCTS The worst part about washing your car is hard water spots left behind on your paint. There is a lot of calcium in city water and unless you are very quick to dry the paint after washing, hard water spots can often be left behind. It’s always best to wash your car in the early morning before the sun comes up or in the evening when the sun goes down to help prevent this, but sometimes it is inevitable. Using citrus-based hard water spot removers from professional detailing companies is your best bet to remove these spots from your paint. The acid in these products neutralizes water spot stains for effortless removal and restores the smooth-as-glass feeling back to your car’s paint. 4.   CLEAN HAZY HEADLIGHTS WITH RUBBING COMPOUND I’m sure many of you have heard that toothpaste and mosquito repellant are the magic solutions to cleaning oxidized headlights, and we’re here to direct you toward a better solution. Most headlights in modern cars are made of plastic, and the clear coat will eventually start to break down over time as it’s exposed to the sun’s UV rays. It’s usually not a matter of if it will happen, but when for older cars especially. First, tape off the paint surrounding your headlights with painters tape. If you already own a dual-action buffer, add a few dots of 3M rubbing compound on a foam pad and turn the speed to low to moderate setting. Don’t press too hard, let the pad and compound work their magic. If you don’t have a dual action buffer, a foam or wool pad attached to a drill will also work. This method will usually cut right through light headlight oxidation and restore them to like-new condition. If they’re heavily oxidized, you might have to wet sand them prior to polishing with 1500-2000 grit sandpaper. After you’ve finished polishing, coat the headlights with wax regularly to maintain a layer of protection from the sun. 5.   USE TUFF-STUFF MULTI PURPOSE FOAM CLEANER TO REMOVE CARPET STAINS Short of taking your vehicle to a professional detailer to have your carpets cleaned with a hot water extractor, we’ve found that Tuff-Stuff is the best universal upholstery cleaner. With Tuff-Stuff, you don’t have to gamble away a small fortune on high-end detailing products from retailers claiming they have the magic solution. Tuff Stuff can be found at Wal-Mart for under $3.50 and is safe on carpets, cloth seats and fabric headliners. Simply spray a small amount onto the stain, let the foam dissipate and soak, and then use a soft scrub brush to agitate the area. If necessary, use a clean microfiber cloth and lightly dab the carpet to extract excess dirt for heavily soiled areas.  6.   USE AN FM TUNER FOR BLUETOOTH AUDIO For older vehicles without infotainment systems equipped with Bluetooth audio, there is now a solution for you to stream music from your phone. No longer will you have to utilize a cassette adaptor or AUX input—that is, if your vehicle’s radio is even equipped with either. An FM Tuner allows you to tune-in to a frequency that’s not broadcasting a signal and stream Spotify, Pandora and other stored music on your phone using Bluetooth. It simply plugs into your cigarette lighter or any 12V outlet—no cords, and no hassle! 7.   INSTALL LED REVERSE LIGHTS This hack is sure to change your life for the better, but more importantly, enable you to actually see what’s behind you when backing up your car or truck at night. Most vehicles come with dim incandescent reverse lights that make it nearly impossible to see when backing out of a driveway at night, especially if your vehicle has dark window tint. We’ve all had to roll down our window at some point and stick our head outside just to make sure we weren’t about to back up into a ditch. You’ll never have to do that again with a high-quality pair of LED back-up lights.  As soon as you move your gear selector into reverse, light as bright as the sun itself will project outward and illuminate the driveway behind you and anything else in your path.

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Used Car Loans for Bad Credit: What are your options?

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USED CAR LOANS FOR BAD CREDIT: WHAT ARE YOUR OPTIONS? You need a quality used car, but you have bad credit. It might feel like an impossible situation, but you know of others who are driving nice cars even though their credit isn’t great. So, how do buyers get car loans with bad credit in Texas? You might be surprised to learn you have a few options.  TRADITIONAL LENDING  First, let’s take a look at what won’t work for you. Banks, credit unions, and traditional car dealerships have strict lending criteria. Unless your credit is excellent, or at least very good, you’re unlikely to be approved.  Unfortunately, the methods used for approval are rigid, so the reasons for past late payments or other issues don’t matter. They look at a number—your FICO score—and deny or approve based on that alone.  So traditional car loans won’t work, but you do have options.  LOAN WITH A CO-SIGNER Banks won’t lend to people with bad credit, but one way around that is to have a co-signer with excellent credit. If your parents, other family members, or even a friend is willing to co-sign your car loan, you have a good chance of being approved. Many car buyers don’t like this method because the co-signer is responsible for the loan. If you miss a payment, the co-signer’s credit suffers. PRIVATE FINANCING COMPANY Some finance companies specialize in bad-credit loans. One problem with most of these companies is that dealing with them can be a nightmare.  Good customer service isn’t even on their radar.  Another issue is that they charge exorbitant interest rates and the monthly payments are so high that it would be a struggle for some people to make them. Still, it is an option that those with bad credit can consider. BUY HERE PAY HERE DEALERSHIP Unlike traditional dealerships, a buy here pay here dealer doesn’t care about your credit score. Instead, they focus on your ability to pay going forward. This allows them to offer bad credit car loans to buyers who would be denied at a bank. The reason it’s easier to get approved with in-house financing is that the seller and lender are the same. You don’t have to go back and forth between two organizations to get your loan approved. The BHPH dealership looks at your income and lets you know what kind of car you can afford. It’s that simple, and most loans are approved the same day. So what are the criteria for BHPH loan approval? As mentioned above, BHPH lenders don’t care about your credit score, past missed payments, or even bankruptcies and repossessions. They understand that bad things happen to good people and that most will have credit issues at some point.  The only criteria for most BHPH lenders are proof of address and proof of income. There is typically a minimum monthly income, but it’s usually low enough that most will easily meet the threshold.  Texas Auto Sales is a BHPH dealer and an excellent choice for anyone looking for car loans with bad credit in Texas. You can get started online by filling out the simple application or stop by to discuss your needs today.

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Texas Auto Sales a buy here pay here used car dealership in Corpus Christi, TX with low down payments and no credit check

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in house financing with buy here pay here used car dealership near Victoria Texas.   Victoria has lots of buy here pay here and in house financing used car dealerships. Victoria County that you are in is served by Texas Auto Sales offering in house used car financing. When you search for a car in Victoria Texas consider buy here pay here and in house financing for easy credit approval. If you have a low credit score, your job is your credit in Victoria Texas. Want to finance a car in Victoria Texas travel to Texas Auto Sales to be treated fairly.    Our customers in Victoria are most happy when we can buy here pay here and in house finance them quickly. If you are searching for in house used car financing in Victoria come to Corpus Christi Texas. Repossessions won’t stop Texas Auto Sales from financing a car for you in Victoria Texas. Low credit score does not matter with no credit check leasing. Reach out to us for your in house used car financing today.   Take your used car finance business to Victoria Texas for your next bad credit car loan. Bankruptcy can’t stop you from getting car financing if you live near Victoria Texas. Everyone with enough of a low down payment will be financed. When you want to finance a car with no credit check loan approval, apply at txautosalescc.co. Come to txautosalescc.co if you want quick credit approval. For over ten years we have been serving the Victoria Texas Victoria County region with quality used cars. Payments set up with your pay days for your convenience. Making subprime car loans is what my Victoria Victoria County car dealership does. Low down payments can be found near Victoria Texas at txautosalescc.co. Texas Auto Sales is less than time from Victoria County residents.   Bankruptcy filings in Victoria Federal Courts will not stop Texas Auto Sales from making you a used car in house financing. Leasing a car in Victoria County is easier than ever with txautosalescc.co. By leasing our vehicles in house we can work with bad credit.

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What does it mean if my car will not start and it is making noise?

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WHAT IT MEANS WHEN A CAR WON’T START AND IT’S MAKING SOUNDS You turn the key, and nothing happens. Or, maybe something happens, but the car still won’t start. It’s frustrating and inconvenient, so when your car won’t start, you want to figure out the problem and get it fixed ASAP. If you don’t know much about cars, you may worry that the mechanic could say just about anything was wrong, and you’d have no way of knowing if he was exaggerating the issue. Or, perhaps you tinker with cars and just need a little hint as to what the problem may be. Either way, this list of possible reasons your car won’t start may give you some insight, so you can move forward with confidence! WHAT IT MEANS WHEN A CAR WON’T START AND IT’S MAKING RATTLING NOISES Do you hear a rattling sound as you try to start your car? If it doesn’t turn over, the battery could be to blame. Some drivers are quick to rule out the battery if any of the lights will come on, but the battery could have enough life in it for the lights to work and not enough for the engine to start.  If you left something on, such as a light, or were running the radio or fan blower with the engine off, this is very likely the cause. If not, you’ll still want to check the battery to see if it’s the cause.  WHAT IT MEANS WHEN A CAR WON’T START AND IT’S MAKING CLICKING NOISES Another sign that may point to the battery is a clicking sound. This will happen when the battery is dead. You’ll turn the key and hear clicking, but nothing else will happen. Other possible causes of a clicking sound are a bad alternator or problem with the car’s electrical system.  WHAT IT MEANS WHEN A CAR WON’T START AND IT’S MAKING ALERT NOISES (GAUGES FLICKERING) If the starter has gone bad, the electricity from the battery won’t create the spark needed to ignite the gas. A sign of this is flickering interior lights when you attempt to start the car. Other hints that you have a bad starter are difficulty turning the key and non-working electrical accessories and radio.  WHAT IT MEANS WHEN A CAR WON’T START AND YOU HEAR A KNOCKING SOUND If you’ve heard a knocking sound as you drove and now the car won’t start, there is a good chance the car was very low on or out of oil. Worst case scenario, the engine has seized due to not having any oil. Don’t try to drive your car. Have it towed to a reputable mechanic.  If the car is knocking and then stalling, the cause could be related to a sensor, a fuel pump, or the electrical system. A professional mechanic will be able to quickly diagnose the culprit.  WHAT IT MEANS WHEN A CAR WON’T START AND IT’S MAKING NO NOISES If your engine won’t turn over and the car isn’t making any noise, it could be a weak battery or a problem with the starter. Even though both the battery and starter are listed above, there are certain situations involving those parts that have no associated noises. These include poor connection or damaged battery terminals. If your car has become unreliable, and you’re tired of diagnosing problems, it may be time for a new vehicle. Texas Auto Sales has a large selection of pre-owned vehicles, competitive prices, and simple, in-house financing. We help people with all credit scores get the car they need.

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The Buy Here Pay Here system that helps works around credit issues

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THE “BUY HERE PAY HERE” SYSTEM HELPS WORK AROUND CREDIT ISSUES Buying a car is a milestone for adults across the country. A car can be a launching pad to a better job, a much-needed resource for a new family, or simply a reward for years of hard work. For some car buyers, a low credit score can initially feel like a stumbling block on the path to owning an automobile. After all, many traditional financing providers will deny funds to applicants whose credit score falls below a certain threshold. If you have discovered that traditional financing isn’t the right choice for you, other choices are still available. In fact, you may be eligible for dealer financing with the “buy here pay here” system that skips traditional lenders and allows you to negotiate a repayment plan directly with the dealer in question. So, what exactly is dealer financing and how does the “buy here pay here” model work? Some car dealerships will allow prospective buyers to finance their purchase on terms that traditional lenders may not allow. For example, a buyer with a low credit score may be able to finance their car purchase through the dealer by agreeing to higher monthly payments compared to traditional lenders. Essentially, this type of negotiation with the dealer is the foundation of all “buy here pay here” financing transactions. In order to get approved for this type of financing at Texas Auto Sales, your first step should be to speak directly with the onsite team. Explain which vehicle you are interested in purchasing, and ask to learn more about your options regarding “buy here pay here” financing. Transparency and honesty are always advised in situations like this. Make sure that you explain in detail your current financial situation so that the perfect payment plan can be created for you. This is the perfect opportunity to ask any questions or express any concerns you may have had. Buying a car is always a big step – make sure it starts off on the right foot!

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When should I get an oil change?

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TIME BETWEEN OIL CHANGES CAN BE TWICE AS LONG AS PREVIOUSLY THOUGHT Many Americans grew up being told by relatives and oil change stations that car owners need a change every 3,000 miles. Drivers were told that going too far over that mark could result in dire consequences to your car. Fortunately, this is one debate the internet was made to resolve. Not all cars need oil changes at the same time, and like many things in life, it’s a bit more complicated than one simple answer for all cars on the road. The older conventional wisdom that said 3,000 miles for conventional oil and 6,000 miles for synthetic oil is simply misleading. Drivers should have a more accurate and realistic idea of how often they should take their car in for an oil change. HOW OFTEN AN OIL CHANGE SHOULD HAPPEN IN MOST CARS? Changing your oil every 3,000 miles on some models is too often, as your car can likely go for much longer than that before needing an oil change. The 3,000 number comes from a suggestion to older models in the 70s and 80s, thus it doesn’t apply to most car models made in the past 15 years. Engine efficiency and technology has also improved to get the most out of new oil in a vehicle, adding distance and value to every oil change. Most car manufacturers recommend less frequent changes since that number has essentially become an exaggeration created to sell more oil changes. Yes, the sticker that oil change stations put on your car when you drive away is a bad suggestion that will cost you more money in the long run with little added benefit. Drivers should also know there are two oil options for cars: synthetic and conventional. Both operate the same with only two key differences: synthetic oil lasts longer and operates better under extreme conditions (especially cold weather). In short, synthetic oil is a higher performance oil that costs a bit more at the cash register but can offer the added value of time for drivers wanting less frequent changes. The reason is that synthetic oil has lower volatility than conventional oil, and is less affected by the normal wear and tear of driving. This allows for many drivers to wait an entire year for their oil changes since drivers can realistically go closer to 12,000 miles, which is twice as long as the previous 6,000 mile recommendation. This is good news for drivers who keep their mileage under 10,000 miles a year. Where is the best place to learn the oil change frequency of your vehicle? Your owner’s manual. There you will find the type of oil, filter, and how many miles in between oil changes you should burn off before you change the car’s oil. Typically newer models can go for longer without an oil change, and many do so because they are synthetic oil-only vehicles. Texas AUTO sales IN Corpus Christi IS AUTOMOTIVE SERVICE DONE RIGHT The good news is that going to your dealership for repairs has become a more popular option since dealerships are more interested in the overall health of the vehicle, and not just to change the oil as fast as possible then move to the next vehicle in line. Texas Auto Sales Automotive Service views an oil change as a maintenance item among many that will maintain the health of a vehicle. This is a better approach to maintenance when looking for a more comprehensive automotive service appointment. Oil change stations can be a good option for informed drivers who know a more realistic time frame for oil changes, and for drivers that can ward off unnecessary upsells from the sales rep at some of these stations. Unfortunately, they’re also likely to make money from added repairs that drivers sometimes don’t need at all. This makes going to a dealership mechanic a better option since an oil change and a basic tune-up/diagnostic check can happen which could catch potential issues before they become worse. GET IN TOUCH WITH Texas AUTO sales TODAY Texas Auto Sales strives to bring the best auto mechanic service to our car buyers, and we offer great service deals to car shoppers in the Corpus Christi area. Texas Auto Sales knows that excellent service from beginning to end is a benefit to everyone in the car buying process, and we love to make drivers happier on the road with well maintained cars. Get in touch with Texas Auto Sales today at (361)-356-7409 to schedule a maintenance appointment, or purchase a new or used car from our used car dealership in Corpus Christi, TX. We look forward to hearing from you!

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How to buy a used car: The complete guide to buying a used car with shaky credit

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THE COMPLETE GUIDE TO BUYING A USED CAR WITH SHAKY CREDIT Buying a car with less-than-perfect credit can be a challenge—there’s no point in pretending it’s not. Unlike someone with a 750+ credit score, you can’t just call your bank for over-the-phone loan approval and then head to the lot to pick out your car, but you can still get the quality used car you need; you just have to learn how to buy a used car with imperfect credit. There’s no shame in being in your position. In fact, most people will deal with credit issues at some point in their lives. The team at Texas Auto Sales understands that, and we’ve made it our business to help people with bad credit get the reliable pre-owned vehicle they need. We’ve helped more 20,000 of them! Here’s everything you need to know about how to buy a used car without waiting for your credit score to go up. BUDGETING The first thing you’ll need to do is figure out how much you can realistically afford each month. When considering this, remember to include more than just the car payment. You’ll also need to budget for: Auto Insurance Gas Vehicle Maintenance If you’re currently using public transportation or Uber, remember to deduct those amounts since you won’t have those expenses after you get a car. SAVING It’s always a good idea to put some money down on a used car. This will lower your monthly payment and help you pay off the car faster. Plus, if you spend a few months saving the amount of money you plan to spend on a car payment, it will help you see whether or not the payment fits easily into your budget. FINDING A TRUSTWORTHY DEALERSHIP This is one of the most important steps in buying a used car. You’ve probably heard horror stories of people buying cars that needed $2,000 worth of work within a week of purchase. Unfortunately, these aren’t just urban legends—there are many unscrupulous used car dealerships out there. Buyers who live in the Corpus Christi, TX area can head to Texas Auto Sales to enjoy courteous, trustworthy service. We don’t need to toot our own horn because our reputation speaks for itself. Since 2011, we’ve helped thousands of buyers with bad credit drive away in a quality, reliable car, and we maintain an A+ rating with the BBB. Here’s something to think about: How many used car dealerships do you think encourage buyers to take their cars to an independent mechanic before they buy? Texas Auto Sales does. That’s because we go over every car on our lot with a fine-tooth comb, and we only sell quality cars that are in great shape. Those aren’t just words—it’s a promise we stand behind with a free 12-month/12,000-mile warranty. CONSIDER BUY HERE PAY HERE FINANCING Your credit may be stopping you from getting a bank loan, but you can still get financing for the used car you need. Since we make all of our own credit and financing decisions, Texas Auto Sales can get you approved for a bad credit car loan the same day. You can even start the application online before you arrive. We know you’re more than your credit score, and we understand that circumstances such as divorce, the loss of a job, and other issues can create credit problems. Even if you have foreclosures, past repossessions, or bankruptcies, our judgement-free financing team can still work with you. As long as you can prove residence and income of at least $1,500 net a month, we can get you approved. It really is that easy. CHOOSING A VEHICLE Now the fun part! While you may dream of a fancy sports car that will turn heads, you may want to be a little more practical when choosing your next used vehicle (or maybe not!). Whether you’re looking for a work truck or an family SUV to ferry the kids to school and sports, the helpful staff at Texas Auto Sales will help you find a vehicle that fits your needs and your budget. Want a shorter answer to how to buy a used car? Just stop by Texas Auto Sales! We’ll give you a fresh start that puts you in a quality vehicle while also helping you rebuild your credit. Visit our Corpus Christi, TX dealership today and enjoy being treated with respect by the team that values your business!

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In house auto financing vs traditional financing

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IN-HOUSE AUTO FINANCING VS. TRADITIONAL FINANCING There are many steps involved when buying a car and, for some buyers, financing is the most stressful part of the process. In part, that’s because many buyers aren’t aware of the options available to them. One example is in-house financing—also called buy-here, pay-here (BHPH). This type of financing opens the door to easy qualifying for buyers who may have a bit of trouble with traditional financing options. WHAT DOES IN-HOUSE FINANCING MEAN? As the name implies, it’s when the dealership extends a loan directly to you rather than relying on banks or other third-party lenders. While similar to a traditional loan in that you’ll agree to an interest rate and then make regular monthly (or sometimes weekly) payments, there are some important differences that make in-house financing an attractive choice. IN-HOUSE FINANCING RELIES LESS ON YOUR CREDIT SCORE If you have less-than-stellar credit, it can be difficult to get a car loan from a bank or a typical car dealership where a minimum score of 660 is desired. If yours is much lower than that, the banks view you as a high-risk borrower and may not be willing to offer a loan. If they do, you’ll be considered a subprime borrower and the terms of your loan will be much less favorable. With BHBH financing at Texas Auto Sales, your credit score doesn’t matter. We understand that your creditworthiness is more than just a number, so we don’t base our decision on your credit score—we base it on your present and, more importantly, your future. BHPH ACCEPTS BORROWERS WITH NO HISTORY Buyers with no credit history have just as much trouble getting bank approval as buyers with poor credit history. This is especially frustrating as you can’t build a credit profile if no one is willing to extend credit to you. Car buyers at Texas Auto Sales are able to secure a Buy Here Pay Here loan even with no past loans, credit cards, or other payment history. When you take advantage of in-house financing, you’ll not only get the car you need, but you’ll also have the opportunity to build a credit history by making consistent, on-time payments. WHAT IS Buy Here Pay Here FINANCING? All car dealerships have a financing department, but they facilitate loans rather than extending credit themselves. This financing may be done through banks, credit unions, or financing companies. That means the criteria to qualify is the same as if you’d walked into those institutions on your own. The only difference is that the dealership does the footwork. You’ll still need a good score and strong credit history for approval. That’s not the case with Buy Here Pay Here financing as the dealership is the one making the decision. YOU’LL ENJOY FAST, EASY APPROVAL Banks are notoriously leisurely in their approval process, and the decision can take several days or longer. You may be asked to submit additional documents after turning in the initial application, and it seems like your loan has to be considered by 20 different people before a decision is made. While all of that is going on, you still don’t have the car you need. When you opt for a Buy Here Pay Here loan at Texas Auto Sales, you’ll usually get your decision instantly, so you can drive away the same day! EXAMPLES OF IN-HOUSE FINANCING Texas Auto Sales is a great example of what in-house financing looks like in practice at a car dealership. When you visit our dealership, we’ll take the time to review your personal financial situation and can approve you for a loan with no credit check. Instead of sending your application to a bank, the decision is made on the spot inside our dealership. That’s why it’s called “in-house financing” and it’s part of the reason it’s so much easier to get approved for the car loan you need, even if you have a bad credit score. THE BOTTOM LINE In-house financing is ultimately a more flexible way to get the car loan you need. Unlike traditional methods, it doesn’t matter whether or not you have perfect credit and you can skip many of the hassles involved with a traditional loan. Owings Auto makes car financing simple, and we’ll treat you with respect from start to finish. Get started right now by filling out our online application. After you buy your vehicle, you can make payments online right through our website. Stop by our Corpus Christi, TX dealership today! Get Pre-Approved

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Yes, you can get a car loan with bad credit

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YES, YOU CAN GET A CAR LOAN WITH BAD CREDIT Trying to get a car loan with bad credit can feel like an uphill battle. If you have tried to get financing from a traditional car dealership with no luck, you may wonder if it is even possible to get a bad credit car loan. The reality is that you will not be able to get a car loan at a traditional dealership with bad credit. But that does not mean you are out of options when it comes to getting financing for the vehicle you need. TRADITIONAL CAR DEALERSHIPS FOCUS ON CREDIT SCORE AND CREDIT HISTORY When you go to purchase a vehicle at a traditional car dealership, your financing options are limited. The two main factors that they consider to determine if you qualify for a loan are credit history and credit score. They do not offer financing to anyone who does not fit within that narrow set of parameters. If you have a short credit history because you have not used credit for many things at this point in your life, then you will not qualify for a loan. If you have a low credit score (for any reason), you will not qualify for a loan at a traditional car dealership. The fact of the matter is that financing at a traditional dealership is almost completely dependent upon what you did in the past. Even if you can show that your situation has changed, it will not make a difference unless that change has already been reflected on your credit score. If you have a short credit history and/or a low credit score, do not waste your time trying to get financing at a traditional dealership. You need to go somewhere that will consider your current situation instead of the past. BUY HERE PAY HERE CAR DEALERSHIPS CONSIDER YOUR CURRENT SITUATION You can get a bad credit car loan when you purchase a vehicle from a buy here pay here car lot. The design of the buy here pay here dealership is to make financing available for people regardless of credit history or score. At Texas Auto Sales, the qualifications for auto financing are proof of residence and a net income of at least $1,500 per month. Your ability to get a loan at a buy here pay here dealership like Texas Auto Sales has nothing to do with your credit history or score. This design helps you get the car you need based on the details of how you are doing now instead of looking at your past. It is possible to get a bad credit car loan when you know where to look. Financing at a traditional dealership will not happen if you have a short credit history and/or a low score. However, you can get a bad credit car loan and finally get the car you need by choosing a buy here pay here dealership. If you meet the basic qualification—proof of residence and $1,500 net monthly income—then you have what you need to qualify for financing with Texas Auto Sales.

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What Does Buy Here Pay Here mean at a car dealership

Buy here pay here at a used car dealership
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WHAT DOES BUY HERE PAY HERE MEAN AT A CAR DEALERSHIP? You need a car, but your credit has a few hiccups. You’re not alone, and it’s nothing to be ashamed of—most people have credit issues at some point in their lives. The good news is that buy here pay here car lots provide a fast and easy option for buyers who need a bad credit car loan, so you can visit Texas Auto Sales and be on the road the same day! Here’s how it works: One of our helpful team members will look at your current situation—not your credit history or anything else in your past—and let you know how much you can afford to spend on a car. You’ll discuss what you need in a vehicle, and be shown all the options that match your criteria and your budget. We will take you on some test drives, discuss the features of each vehicle, and help you choose the one that best meets your needs. You’ll sign the financing contract, make a small down payment, and drive away! From there, you’ll make your payments directly to Texas Auto Sales rather than a bank or outside financing company. It’s that easy! No credit? No problem! Bad credit? No problem! You don’t have to meet the strict credit guidelines banks require, and the income requirements are much more relaxed as well. At Texas Auto Sales, all you need is $1,500 a month net income and residence to be approved for financing on a new ride! When you need a bad credit car loan, the buy here pay here option at Texas Auto Sales is an excellent way to get the vehicle you need. Texas Auto Sales is the Corpus Christi, TX area’s trusted choice for quality pre-owned vehicles and easy buy here pay here auto loan options. Do all buy here pay here car lots offer warranties on their vehicles? No, but every car sold at Texas Auto Sales comes with a 12-month, 12,000-mile warranty. When we say we want you to drive with confidence, we mean it. And if you want even more reassurance before you buy, take the vehicle to any local mechanic for inspection. All of our vehicles are hand-selected and checked for quality, so you can buy and drive with peace of mind. Check out our inventory online before coming in. Or if you’re ready, get pre-approved online today and make the process even faster and easier when you arrive at Texas Auto Sales! Get Pre-Approved

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Why chose A Buy Here Pay Here or In House Financing?

Buy Here Pay Here and In House Financing
icon/user/avatar/20 Created with Sketch. By John Castaneda

Why chose A Buy Here Pay Here or In House Financing with a used car dealership?   Ever wondered why some customers prefer to finance there next used car with In House Financing? First lets start by understanding what in house financing is. In house financing, or buy here pay here, is an extension of credit to a customer that has difficulty purchasing a vehicle through a traditional third party lender. The used car dealership, aka Texas Auto Sales, uses there own financing options to help you purchase a vehicle. These two options were mentioned before as buy here pay here financing and in house financing.   Customers prefer the buy here pay here option for the simple fact that it is easy to purchase a used car with a relatively low down payment. Used car dealership typically will ask for a percentage of the vehicle price for the down payment. This in turn allows the dealership to finance the remaining balance of the vehicle and the customer is able to make there monthly or bi-weekly payments to the used car dealership. Also the customers are able to purchase a used car with proof of income, proof of insurance, and with no credit check. This creates a simple process to purchase a vehicle and has grown in popularity for buy here pay here used car dealerships.   Used car dealership like Texas Auto Sales understand that hardships of purchasing a vehicle with no credit or no credit history. That is why we offer these two options of buy here pay here and in house financing to our customers. There job is ther credit, and no credit is needed to purchase a vehicle from us, just a low down payment and you are approved! We simplified the process even further by selling low cost auto insurance inside the dealership, so at time of purchase you are able to complete the entire process of buying a used car from us!  

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Texas Auto Sales a buy here pay here used car dealership in Corpus Christi, TX with low down payments and no credit check

Buy Here Pay Here / Used Car dealership
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Auto financing with buy here pay here and in house financing use dealership near Corpus Christi Texas part one.   Corpus Christi has lots of buy here pay here and in house financing used car dealerships. Nueces County that you are in is served by Texas Auto Sales offering in house financing and buy here pay here. When you search for a used car in Corpus Christi, Texas consider buy here pay here and in house financing for easy credit approval. If you have a low credit score, your job is your credit in Corpus Christi, Texas. Want to finance a used car in Corpus Christi, Texas travel to Texas Auto Sales to be treated fairly.    Our customers in Corpus Christi are most happy when we can buy here pay here and in house finance them quickly. If you are searching for in house financing used car in Corpus Christi, TX. Repossessions will not stop Texas Auto Sales from financing a used car for you in Corpus Christi, Texas. Low credit score does not matter with no credit check leasing. Reach out to us for your in houseused car financing today.   Take your auto finance business to Corpus Christi Texas for your next bad credit car loan. Bankruptcy can’t stop you from getting car financing if you live near Corpus Christi Texas. Everyone with enough of a  low down payment will be financed. When you want to finance a car with no credit check loan approval, apply at txautosalescc.co. Come to txautosalescc.co if you want quick credit approval. For over ten years Texas Auto Sales has been serving the Corpus Christi, Texas Nueces County region with quality used cars. Payments set up with your pay days for your convenience. Making subprime car loans is what my Corpus Christi Nueces car dealership does. Low down payments can be found near Corpus Christi, Texas at txautosalescc.co. Texas Auto Sales is less than time from Nueces County residents.   Bankruptcy filings in Corpus Christi Federal Courts will not stop Texas Auto Sales from making you a car lease. Leasing a car in Nueces County is easier than ever with txautosalescc.co By leasing our vehicles in house we can work with bad credit.

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What are myths about Buy Here Pay Here car dealerships?

Myths about used car dealerships
icon/user/avatar/20 Created with Sketch. By Mark Castaneda

Many myths have been created about Buy Here Pay Here car dealerships. To clear up some of the false information on the internet about these dealerships, we have compiled a list of myths and the truth about Buy Here-Pay Here dealerships. Myth #1: Buy Here-Pay Here car dealerships can add random fees or repossess your vehicle at any moment, for any reason. People claim that if you have any sort of inconvenience with the dealership, they will repossess your vehicle or charge you extra fees. This is only partially true. The true part is that if you do not pay past a certain date as decided in your contract, you may have to pay a late fee. This late fee is not just a random amount that is unforeseen, it should be very apparent and found clearly in a legally binding contract between you and dealership. Almost every financial institution or car dealership you go through will add late fees as well, there is basically no way to avoid them, except paying on time. When it comes to vehicles being repossessed, if a customer begins to go against the contract consistently, the dealership has a right to reprocess the vehicle. Car dealerships will never add random fees for no reason unless you have broken a contract agreement. Myth #2: The Buy Here-Pay Here auto industry is not regulated. Any business has some regulations for the most part and car dealerships have many regulations. Some regulations that must be complied with include the States & Federal Unfair & Deceptive Practices Laws, The Red Flags Rule, The Used Car Rule, The Truth in Lending and many more. Almost all BHPH businesses report their payment reports to credit bureaus. As with any industry there will always be a few businesses that practice illegal and deceptive strategies, which end up making the whole industry look bad. When looking for a reliable BHPH dealership, always be sure to look at the reviews. Myth #3: BHPH Dealerships love to “Churn” cars. they can sell it again as many times as possible. But most reputable Buy Here Pay Here dealers have a goal to work with a customer to make sure that the customer stays in the vehicle if at all possible. Most dealers love working with customers who are trying and willing to work to make the agreed upon payments. It’s no longer common for a repossession to be the first option and it is now used as the last option when all other remedies have failed. Myth #4: Buy Here-Pay Here car dealerships get a down payment equal to what they have in the car. When Buy Here Pay Here was first established in the 1950s, the typical used car dealership that wanted to try their hand at BHPH would attempt to get a down payment from the customer equal to the cash value they had in the vehicle. These days, with the increase in wholesale prices for all used car dealerships, this just isn’t the case. In fact, down payments on average have gone DOWN in the BHPH industry over the last 10-20 years. BHPH dealers have been forced to continually adapt to be able to help their customers afford not only the down payment, but also the monthly payments. The flexibility of the BHPH dealers is what gives them the ability to offer a quality used car, truck, van or SUV to a customer with bad credit, no credit or even recent bankruptcy.    

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When am I ready to buy a new car?

Buy Here Pay Here / Used car dealership
icon/user/avatar/20 Created with Sketch. By Mark Castaneda

Most people think that if their credit is bad then they cannot buy a car. This might be true for certain dealerships but here at Texas Auto Sales, we help people with bad credit buy the cars of their dreams. Here’s some tips for buying and financing auto loans when you have bad credit. Do your research Before you purchase your dream car, do your research on pricing, budgeting and your monthly expenses. Looking through your expenses and seeing how this car payment will fit in, will help make your mind up tremendously. The difference between a monthly payment of $500 and $200 doesn’t always see like much but it can make a difference. Being 100% sure that you will be able to make your monthly payment will be the first thing you need to figure out before the purchasing process. Make sure you understand the auto loan rates and terms work before signing anything. APRs and loan terms can sometimes not be very straightforward, so that is why you need to fully understand them before purchasing a vehicle. APRs are the interest rates that you will be charged for borrowing a sum of money in order to buy your vehicle off a lot. Interest fees may vary depending upon multiple factors, such as your market conditions, special offers, credit history and a few other deciding factors. Loan Terms are the amount of time it will take you to pay off the borrowed money you used to buy your vehicle. You can have a longer lean term and pay less per month or you can have a shorter loan term and pay more monthly fees. We usually recommend having a longer loan term for people with bad credit. Money Down or Trading in Vehicles When dealing with bad credit and trying to buy a car, it might be a good idea to put a good down payment on the vehicle you’re purchasing. The down payment will help you out in the long run since you won’t have as much money to pay back or finance. The same thing goes with trading in a vehicle. When you trade in a vehicle, it is basically like putting a down payment. Let’s say the amount that the car you’re trading in is worth $10,000 and the car you are purchasing is $20,000, then that only leaves you with a balance of $10,000 to pay back. This will lower the time it will take to pay back as well. Overall, doing your research on what dealership to go to, what car you want to purchase, seeing what your budget is and how much of a down payment you can put on the vehicle will determine how your purchase goes. Having bad credit doesn’t mean you can’t buy a car, it just means you must do a little more research then the average person. At the end of the day, you will end up with a good deal if you follow these tips listed.

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What are Buy Here Pay Here used Car Dealerships?

Buy Here Pay Here / used car dealership
icon/user/avatar/20 Created with Sketch. By Mark Castaneda

he auto industry has evolved over the years and many people are left to question what these new “buy here pay here” car dealerships are. With not too much information about BHPH dealerships out there today, it may lead consumers to question what they are all about. What are “Buy Here, Pay Here” Car Dealerships? When people go to a regular car dealership, one of the first things they need to make sure of, is getting approved for the vehicle. This means the car dealerships will run the customers credit and see if they are approved to purchase the vehicle. Some, if not most people now a days, have a low credit score or no credit at all. This is where the “buy here, pay here” car dealerships come into play. Buy here, pay here dealers allow people of no credit, bad credit or other situations to be able to purchase a vehicle. Buy here, pay here dealerships provide their own in-house financing. They don’t rely on banks, a third party or a leader. Why choose CC Auto Plex for your car dealership? Here at CC Auto Plex, we provide in-house financing. You (the customer) are required to pay us (the dealership) back of course. We only require you to put down a low-down payment and have a steady source of income to begin the approval process. Our goal is not to take all your money and charge you extremely high interest rates, but instead, is to be on your side. We help the customer throughout the entire buying process and give helpful suggestions to new or unexperienced buyers. Being a buy here pay here car dealership does have it’s risks on our side, but on the customers side, there is virtually no risk. We create and agree upon a contract and then we stick to that contract. There is no going back and changing our minds, no raising interest fees randomly, and no repossessing the vehicle unless the contract is violated. So, if you do not have perfect credit and you are looking to buy a used car, Texas Auto Sales is the right used car dealership for you. We take care of you and always make sure to put the customer first! Come in and get approved for your new vehicle today!

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