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Buy Here, Pay Here — 40+ years on Division St. in Arlington, TX
Buy, sell, or finance a car — even if your credit's been through it
Owings Auto keeps one of the largest selections of high-quality used vehicles in the Fort Worth and Arlington area, with in-house financing and low down payments. Bad credit, bankruptcy, a past repossession — we work with you, not against you.
Three ways to get rolling
Whatever stage you're at, start here.
Howdy from Owings Auto
For more than 40 years we've been putting Fort Worth and Arlington drivers behind the wheel with real deals on buy here, pay here used cars. Our dealership sits right on Division St. in the heart of Arlington, TX.
In-house financing, low down payments, and a team that has seen it all. Bankruptcy, foreclosure, a recent divorce, a past repossession. We work through it with you and find a car that fits your budget.
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“Everything was GREAT ! From beginning to end . Corey was Amazing! & worked with me . 10/10”
“Huge shoutout to Shandron for all his help this past week!! My husband and I had been on the lookout for a truck and he got us into exactly what my husband wanted. Thank you for making the whole process stress free and being so thorough. Can't wait to be back! Yall are amazing.”
“Shandron is a great salesman. He was very kind, patient and professional. When we arrived he greeted me as soon as I stepped onto the parking lot. The process was quick and efficient. 10/10 I recommend shopping with Owing Auto and Shandron as your salesman.”
“I would like to take the time out to thank owings auto once again for my new car I really appreciate them so much for working with me to get in a new car I would also like to thank the team for looking out for me on the deal I got very happy thank you again Owings Auto 2.”
“Shandron made the whole process simple and easy. He was super accommodating and made sure I was in and out quickly. If you’re looking for a vehicle definitely ask for him. He’ll take great care of you!”
“This place was great. This is my 2nd vehicle that I have bought from them. Will work with you if you have financial issues. Smooth hassle free process. Shandron will shoot it to you straight about the vehicles. He knows his stuff.”
“Great customer service. Work with you if you have financial difficulties & open honest with great value.”
“I recently purchased a GMC Sierra from Owings Auto Center and had a great experience. The process was quick and easy, and they allowed me to place a deposit to hold the truck until I was ready. The vehicle was exactly as described and is in excellent condition. Shandron was profe…”
“Great local Buy Here Pay Here dealership! I've visited the lot and interacted with the team. They keep a clean, well-organized inventory, and the staff is genuinely friendly and helpful without the typical 'used car salesman' pressure. Definitely worth a visit if you're in the ma…”
“Shandron! Thank you! Thank you! I had such a great experience at the lot today. So wholesome, relatable and friendly. He literally went the extra mile every opportunity to make sure I felt secure in choosing a vehicle today. This was by far the most peaceful car experience I’ve e…”
What sets Owings Auto apart
Financing handled by people, not algorithms — plus real coverage on the cars we sell.
The Best Deals
Find the right pre-owned car for you and your family, then make low monthly payments you can actually afford.
Flexible Car Loans
Bad credit is no big deal here. Every loan is handled in-house by a friendly team that's here to help you, not judge you.
Free Service Contracts
Vehicles include a 24-month / 24,000-mile service contract at no extra cost.
Why drivers keep coming back
If your credit's rough or you've never built any, a bank or credit union may turn you down flat. And unless you've got the cash to buy a used car outright, you'll need financing to get on the road.
That's where we come in. We offer flexible in-house financing and sell used cars with small down payments, so you work directly with Owings Auto instead of a big lender. Approvals move fast, and plenty of our customers drive home the same day.
Get ApprovedCoverage that actually covers things
Our service contracts go well beyond a powertrain-only gimmick. They cover the engine, transmission, water pump, fuel pump, radiator, and a long list of other major and minor mechanical repairs — so a breakdown doesn't wreck your budget.
Learn About ServiceReady to find your next car?
Browse the lot or start your application online. Either way, our Arlington team is here to help.