Get Approved for a Car Loan With Bad Credit at Owings Auto

Getting pre-approved is quicker and easier than you think.

Our flexible in-house financing helps get you approved.

Buy Here Pay Here Dealership Financing Can Help

If a traditional lender has denied you for an auto loan due to bad credit, then a buy here pay here car loan might be the right choice for you. Buyers with a low credit score, or even no credit score at all, can work directly with our team to get approved based on your current situation and income. Regardless of your credit score or past issues you can get approved for a car loan at Owings Auto with proof of $1,500 net income per month and residence.

Applying for auto financing with Owings Auto is a simple process. You can get started right now by filling out the auto financing contact form above. We’ll get in touch and walk you through the details.

You will need to provide just three things in order to get the financing process moving: your driver’s license, proof of income, and proof of home address. You can show proof of income with a recent pay stub from your job. Proof of address can be provided by bringing in paperwork such as a recent bill from your utilities with your address on it or a lease agreement. These three pieces of documentation provide enough information for a financing decision at Owings Auto. There is no need to fill out complicated forms or long finance applications, because financing decisions are made in-house.

Owings Auto can calculate your true down payment with just a few quick questions. 

Your exact down payment will depend on a number of factors, but in many cases it is possible to buy a car with bad credit for just $500 down. We can quickly estimate your true down payment with no hard credit checks and no commitment.

Why choose Owings Auto?

happy young couple accepting keys to new car

High Quality Used Car Financing

Many buyers worry that getting a bad credit car loan will make it difficult to get the car they want from a dealership, but Owings Auto makes it possible to finance any of the high quality used cars on our lot. Every car is comprehensively inspected and backed by a 12 month / 12,000 mile warranty.

Convenient Online Financing Options

Take the first step to getting back on your feet and into the driver’s seat today by filling out our online application. Approval is easy at Owings Auto; all you need is proof of income (at least $1,500 net, per month) and proof of residence. That’s it! Once you’ve submitted your information through our secure online form our team of friendly financing professionals will reach out to help you complete the process and get the keys to your next car.

Why Get Approved at Owings Auto

12 Month, 12 Mile Warranty

We stand behind every car we sell, and we back it up with the best buy here, pay here warranty in DFW.

  • This warranty is FREE for all of our customers
  • Drive your car with confidence
  • This warranty covers every car on our lot

Easy In-House Financing for All Credit Levels

You are welcome at Owings because your credit score, financial history, or anything else will stand in the way of the car you want.

  • All of our financing is handled in-house
  • Credit decisions are made on site, personally
  • We are worried about your future, not your past

Inspect Your Vehicle Before You Buy

Feel free to take your car to any local mechanic to be inspected BEFORE you buy it.

  • We stand behind our cars, and you control the buying experience
  • Know that your car is dependable and reliable – on your terms
  • Have confidence in your new car

When it comes to buying a car with bad credit, we make the process painless and easy because we handle all of our approvals in person and on the spot, face to face with you.