What Is A Buy Here Pay Here Dealership?

When you choose a Buy Here Pay Here dealership such as Owings Auto, you’ll experience quality customer service along with a variety of financing options, making it nearly impossible to hear a no when it comes to financing your next vehicle. Our flexible auto financing options allow buyers in various financial situations finance a quality used car that fits their budget. Even if you have bad credit or no credit at all, we can help. From bad credit car loans to traditional automotive financing, our in-house financing may be the solution for you.

What are you waiting for? Discover more possibilities when you choose Owings Auto. We choose who gets financing and we want to choose you!

Questions? Call us.
(817) 548-9955

Epic Summer Sales Event

FAQs About Buy Here, Pay Here Dealerships

What Is Buy Here Pay Here?

The answer is in the phrasing. You pick the car on our lot that is right for you, apply for our in-house or traditional automotive financing, and pay us directly. We handle everything in the car buying process, making it a seamless process that doesn’t stress you out.

If you have bad credit or no credit, no need to worry. Part of the perks of choosing a Buy Here Pay Here dealership like Owings Auto is that we offer bad credit car loans.

How Does "Buy Here Pay Here" Work?

It’s quite simple. Apply for Owings Auto in-house financing and see what you qualify for. Choose a vehicle from our lot that meets your needs and budget. Drive away happy.

At Owings Auto we offer in-house financing to a variety of financial backgrounds so you don’t have to worry about getting declined due to having bad credit. You’ll apply for financing, choose your car, and make your payments all at one convenient location. It’s that easy to get behind the wheel of a new quality used car from Owings Auto.

What is In-House Financing?

In-house financing makes it possible for buyers with bad credit or no credit at all to purchase a quality used vehicle.

Buy Here Pay Here dealerships like Owings Auto understand that there are a variety of reasons for a low or poor credit score and we don’t want to prevent buyers from being able to get the car they need. By offering in-house financing, we are able to choose who we want to finance for a quality used car and we want to choose you!

Busting 3 Common Buy Here Pay Here Myths

Does Buy Here Pay Here Hurt Your Credit?

When you choose in-house financing with a trusted Buy Here Pay Here Dealership such as Owings Auto, it actually helps you build your credit. We are a trusted dealership that reports on-time payments to the credit bureaus so you can build your credit score along the way. Proving to the credit bureaus that you can responsibly pay off a loan is one of the best ways you can quickly improve your credit score, and we want to help!

Does Buy Here Pay Here Require Big Down Payments?

While you may think a larger down payment is required at a Buy Here Pay Here Dealership, that’s not always the case. At Owings Auto we offer in-house financing which means we get to choose who receives financing. We are the dealership and the bank, so we work with you to create a personalized car loan that includes a down payment and monthly payments that work with your budget.

Is Buy Here Pay Here A Bad Idea?

If you’ve heard negative things about Buy Here Pay Here dealerships, then you’ve been hearing about the wrong ones. When you choose a reliable Buy Here Pay Here dealership such as Owings Auto you won’t be making a bad choice. We provide more opportunities for more drivers by choosing to loan money to individuals through our in-house financing. We work with you every step of the way to make purchasing a quality used car possible. We also make getting out of bad credit possible by providing an opportunity to rebuild your credit while you pay off your vehicle.

Browse Buy Here Pay Here Vehicles For Sale

  • Cadillac (6)
  • Chevrolet (22)
  • Dodge (1)
  • Ford (17)
  • GMC (1)
  • Honda (7)
  • Hyundai (4)
  • Kia (7)
  • Nissan (11)
  • RAM (7)
  • Toyota (4)
  • 1500 (7)
  • ATS (1)
  • Accord (5)
  • Altima (10)
  • CR-V (1)
  • CTS (1)
  • Camry (1)
  • Charger (1)
  • Civic (1)
  • Elantra (3)
  • Escalade (1)
  • Expedition (3)
  • F-150 (5)
  • Fiesta (1)
  • Forte (2)
  • Forte 5-Door (1)
  • Fusion (8)
  • Maxima (1)
  • Rio5 (1)
  • SRX (2)
  • Sierra 1500 (1)
  • Silverado 1500 (9)
  • Sonata (1)
  • Soul (3)
  • Suburban (7)
  • Tahoe (6)
  • Tundra (3)
  • XTS (1)
Body Style
  • Convertible (1)
  • Coupe (1)
  • Sedan (36)
  • Sport Utility (23)
  • Truck (25)
  • Van (2)
  • wagon 4-dr (3)
  • Black (17)
  • Blue (2)
  • Brown (2)
  • Burgundy (1)
  • Gold (2)
  • Gray (12)
  • Green (1)
  • Maroon (1)
  • Red (12)
  • Silver (15)
  • Tan (3)
  • White (18)
Filters Call Us