★★★★★4.7511 Google reviews Sales (940) 400-3796 Service (940) 228-3800 Body (940) 275-0051 2213 Old Jacksboro Hwy, Wichita Falls
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Home Financing

Financing, including if you've been told no

We work with a range of lenders. Bad credit, thin credit, first-time buyer, self-employed. Come talk to us before you assume the answer is no.

Auto Financing in Wichita Falls, TX

We work with a range of lenders to get people financed, including buyers who have been turned down somewhere else. Good credit, bruised credit, first-time buyer, no co-signer: come talk to us before you assume the answer is no.

Applying does not obligate you to buy anything, and it takes a few minutes. Prefer to talk it through first? Call (940) 400-3796 and ask for me.

Start your application

Step 1 of 2, takes about fifteen seconds. Then the secure application opens right here on this page.
By submitting you agree we may contact you by phone, text or email about your request. Message and data rates may apply. We never sell your information. Applying does not obligate you to buy anything.
Thanks, your application is open below.
Stuck on anything? Call (940) 400-3796 and we'll walk you through it.

Secure application, handled by our lending partner. A Spanish version is available inside the form. We use it to shop your deal to multiple lenders. You are not applying to just one bank.

Who we can usually help

  • Bad or bruised credit: past repossession, collections, or a discharged bankruptcy
  • First-time buyers with little or no credit history
  • Military and service members stationed at Sheppard AFB, see our military car buying guide
  • Self-employed buyers whose income doesn't fit a standard pay stub
  • Strong credit buyers who just want a competitive rate without the runaround

What to bring

  • Valid driver license
  • Proof of income, recent pay stubs, bank statements, or an LES for military
  • Proof of residence (a utility bill works)
  • Insurance information
  • Your trade and its title, if you have one, get a value first
Talk to Us About Financing Browse Inventory

Get pre-qualified

Turned down somewhere else? Tell us the situation. We work with buyers other lots won't.
By submitting you agree we may contact you by phone, text or email about your request. Message and data rates may apply. We never sell your information.
Got it, thank you.
Someone will reach out shortly. Need it faster? Call us at (940) 400-3796.
Can I get financed with bad credit?

Often, yes. We work with lenders who look at the whole picture, steady income and time on the job matter a lot, not just the score. Nobody gets judged in our store.

Will applying hurt my credit?

A full application results in a hard inquiry, which can cost a few points temporarily. Rate shopping for a vehicle within a short window is generally treated as a single inquiry by scoring models, so shopping around doesn't stack up damage.

How much should I put down?

More down means a lower payment and less chance of being upside down. If you have little to put down, we'll be honest about what that does to the payment before you sign.

Do I need a co-signer?

Not always. A co-signer helps if your credit or income is thin, but plenty of our buyers finance on their own.