Owings Auto vs Chacon Autos vs Lone Star Motors II: Which DFW Buy Here Pay Here Dealer Is Best?

A side-by-side look at three family-owned DFW buy here pay here dealerships and the very different strengths each one brings to the table.

Quick Verdict

Quick verdict. Three family-owned DFW BHPH options, three different strengths. Owings wins on the 24-month / 24,000-mile Service Contract and on published terms transparency. Chacon wins on DFW reach and inventory breadth. Lone Star Motors II wins on single-lot simplicity. The right pick depends on which of those three matters most for your situation.

How we compared them

We looked at the three DFW dealerships buyers tend to put on the same shortlist when shopping buy here pay here in Arlington or Fort Worth. Each is family-owned, each finances in-house in some form, and each has been operating in Texas for 40+ years. We pulled facts from each dealer’s own website, BBB profiles, Yelp brand and lot pages, Cars.com, and Birdeye reviews on May 6, 2026. Where a dealer doesn’t publish a number, we say so plainly rather than guessing.

The three dealers at a glance

Owings Auto has been family-owned since 1985, run by the Owings family across two DFW locations (Arlington and Fort Worth). Over 40 years, Owings has sold to 60,000+ customers, all financed in-house BHPH. Every vehicle comes with a 24-month / 24,000-mile Service Contract at no extra cost, covering engine, transmission, water pump, fuel pump, and radiator, backed by an on-site service shop. The inventory includes cars, trucks, and SUVs across a range of makes. Hours are Monday through Saturday, closed Sundays only.

Chacon Autos was founded in 1958 by William Chaney near downtown Dallas and is now run by the second-generation Chaney family. As of May 2026, Chacon operates 10+ Texas locations, with five in DFW: Dallas, Arlington, Haltom City near Fort Worth, Grand Prairie, and Lewisville. Chacon markets in Spanish and English across DFW and South Texas and reports 70,000+ cars sold. The post-sale story leans on factory warranty time remaining on the 1-to-5-year-old vehicles Chacon sells.

Lone Star Motors II has been family-run since 1982 and operates a single Fort Worth lot at 5900 E. Lancaster Ave. The company markets itself around no-haggle pricing and reports financing more than 20,000 vehicles in 44 years. Lone Star uses a hybrid model: a Bank of America partnership for buyers who qualify, plus in-house BHPH for those who don’t. Bilingual service is available through salesperson Frances. Sales hours: Mon–Fri 10–7, Saturday 10–6.

Service Contract and post-sale support — Owings wins

Every vehicle that leaves an Owings lot comes with a 24-month / 24,000-mile Service Contract at no extra cost, covering the components that put a BHPH buyer in the worst spot if they fail: engine, transmission, water pump, fuel pump, radiator. Coverage applies regardless of the car’s age.

That contract sits on top of an on-site service shop. When something goes wrong, the work happens at the same lot you bought the car from, with no third-party administrator deciding whether a claim is approved. For a BHPH buyer who can’t afford to be without a vehicle for a week, that piece changes the math.

Chacon’s post-sale positioning rests on selling 1-to-5-year-old vehicles “most still carrying factory warranty time” from the original manufacturer. That coverage is real on a 2-year-old car, but it expires when the manufacturer’s warranty does. Chacon does not publish a standalone, dealer-issued contract program of its own. Lone Star Motors II does not publish warranty or service-contract terms on lsm2.net at all.

Mini-verdict — Owings. The only one of the three with a named, dealer-issued service contract running two full years and 24,000 miles on every vehicle, backed by an on-site service shop on the same lot.

Pricing and terms transparency — Owings wins

Owings publishes the financing numbers most BHPH dealers keep private. The APR options are on the site: 15.9% to 17.9%, depending on credit tier. The income minimum is published too: $2,000 a month in net income. Financing is all in-house BHPH, with no bank routing the deal.

Most BHPH lots in DFW won’t name a rate until a pre-approval is on file. Owings publishing 15.9%–17.9% on owings-auto.com lets a shopper run the numbers from home before they ever set foot on the lot.

Chacon quotes terms after pre-approval, with weekly, biweekly, and monthly payment options. Lone Star Motors II directs buyers to apply online through lsm2.net for a personalized offer. Neither dealership publishes APR, income, or down-payment numbers on their public pages as of May 6, 2026; those terms come after an application. Owings publishing the range up front is the rarer move.

Mini-verdict — Owings. The only one of the three publishing rate ranges and an income minimum on the public site, before you fill out an application.

DFW reach and inventory — Chacon wins

Chacon is the largest of the three by a meaningful margin. Five DFW locations and 10+ across Texas mean the deepest aggregate inventory and the broadest geographic reach on this list. If your top priority is picking from the most cars at the most lots in a single shopping trip, Chacon is the clearest call. The 1-to-5-year-old inventory range is a fit for buyers who want a newer vehicle.

Owings’s two DFW locations carry a smaller fleet at any given time. That’s the honest trade-off. The Arlington and Fort Worth lots cover central DFW, but a buyer in Plano, Denton, or McKinney is looking at a longer drive. The 24-month / 24,000-mile Service Contract and the on-site service shop apply uniformly across every car on the lot, though, so whatever you pick, the post-sale backing is the same. This dimension comes down to a real choice: breadth of selection at Chacon versus consistent service backing on every car at Owings. Lone Star Motors II runs a single lot with roughly 60 vehicles listed, putting it third on raw inventory.

Mini-verdict — Chacon. Five DFW lots and 10+ across Texas give Chacon the deepest selection on this list, the right call if your top priority is maximum inventory in one shopping trip.

Single-lot buying simplicity — Lone Star Motors II wins

Lone Star runs a single Fort Worth lot at 5900 E. Lancaster. One location, one inventory, one finance team. For a buyer who wants the simplest possible experience — one visit, one application, one signing — single-lot operation is genuinely valuable. There’s no shopping between branches and no swap of paperwork from one manager to another. The hybrid Bank of America partnership fits the same logic, with the bank route potentially offering lower rates to credit-qualified buyers.

Lone Star also builds its public brand around no-haggle pricing — it’s the headline on their marketing. Important caveat: Owings operates the same way in practice. Every customer at an Owings lot gets a printed price sheet listing each vehicle’s sale price, down payment, and weekly payment. The sheet is the price. Lone Star puts that posture on the homepage as its core identity; Owings practices it as part of the in-store experience.

Chacon takes the more traditional BHPH route — terms quoted after pre-approval, no public no-haggle positioning. So on no-haggle pricing, Owings and Lone Star are aligned; on operational simplicity for a single visit, Lone Star’s single-lot setup is the cleaner pick.

Mini-verdict — Lone Star Motors II. A single-lot operation is the simplest possible BHPH buying experience. (Note: no-haggle pricing isn’t unique to Lone Star — Owings provides every customer a price sheet listing each vehicle’s sale price, down payment, and weekly payment.)

Clear winner

Three family-owned DFW BHPH dealers, three different strengths, no single absolute winner. Owings wins two of four dimensions: Service Contract, plus pricing and terms transparency. Chacon wins on DFW reach and inventory breadth. Lone Star Motors II wins on single-lot simplicity.

The job of a buyer reading this is not to pick the “best” dealer in the abstract. It’s to figure out which of those three priorities matters most for your situation. Want the longest dealer-issued service contract on every car and published transparency on financing? Owings. Want the deepest selection across the most DFW lots? Chacon. Want the simplest possible buying experience at a single lot? Lone Star Motors II. On no-haggle pricing, Owings and Lone Star are aligned — Owings provides every customer a printed price sheet at the lot, Lone Star promotes the same posture on its marketing site.

Who should choose

Choose Chacon Autos

If your top priority is picking from the most cars across the most DFW lots in one shopping trip. Chacon’s 5 DFW locations and 10+ Texas total give you the broadest pool of 1-to-5-year-old vehicles. Spanish-language service is available across locations.

Choose Lone Star Motors II

If you want the simplest possible single-lot buying experience. One location, one inventory, one finance team — built for a buyer who’d rather not shop multiple lots. The hybrid Bank of America partnership gives credit-qualified buyers a chance at a bank loan, with in-house BHPH for buyers who don’t qualify. (On no-haggle pricing, Owings is aligned — every Owings customer gets a printed price sheet at the lot.)

Choose Owings Auto

If you want a 24-month / 24,000-mile Service Contract on every vehicle, an on-site service shop to honor it, and published APR transparency before you walk in. Owings publishes its 15.9%–17.9% APR range and a $2,000/month net income minimum on owings-auto.com, finances every deal in-house, and has been family-owned in DFW since 1985.

Frequently asked questions

What’s the difference between Owings, Chacon, and Lone Star Motors II?

All three are family-owned DFW buy here pay here dealerships. Owings (since 1985) wins on the 24-month / 24,000-mile Service Contract and on published APR and income transparency. Chacon (since 1958, second-generation Chaney family) wins on DFW reach with 5 lots in the metro and 10+ across Texas. Lone Star Motors II (since 1982) wins on single-lot simplicity at 5900 E. Lancaster, Fort Worth. On no-haggle pricing, Owings and Lone Star are aligned — Owings provides every customer a printed price sheet at the lot.

Which DFW BHPH dealer offers the longest service contract on every vehicle?

Owings Auto. Every vehicle on an Owings lot comes with a 24-month / 24,000-mile Service Contract at no extra cost, covering engine, transmission, water pump, fuel pump, and radiator. Repairs under the contract get handled at the on-site service shop. Chacon’s post-sale story rests on factory warranty time remaining on its 1-to-5-year-old vehicles. Lone Star Motors II does not publish warranty or service-contract terms on lsm2.net.

What income do I need to qualify for BHPH financing in DFW?

Owings publishes a $2,000-per-month net income minimum on owings-auto.com, so a buyer can figure out qualification before applying. Chacon and Lone Star Motors II do not publish income minimums on their public sites; both quote terms after pre-approval. Actual approval criteria vary by credit history, down payment, and the vehicle being financed.

Are these dealers family-owned, and does it matter?

Yes, all three. Owings has been run by the Owings family in DFW since 1985. Chacon has been run by the Chaney family since 1958, now in its second generation. Lone Star Motors II has been family-run since 1982. Family ownership in BHPH tends to mean longer continuity and a more direct line to decision-makers, which is a baseline of long-term operation across the board, not a single winner.

Which dealer has the largest selection of cars in DFW?

Chacon Autos has the deepest aggregate inventory across DFW, with 5 lots in Dallas, Arlington, Haltom City, Grand Prairie, and Lewisville, plus 10+ Texas locations total. Owings runs 2 lots (Arlington and Fort Worth) carrying cars, trucks, and SUVs across a range of makes. Lone Star Motors II runs a single Fort Worth lot with about 60 vehicles listed on Cars.com. On raw inventory volume, Chacon is the clearest call.

Final verdict

For DFW buyers who want a dealer-issued service contract on every vehicle, an on-site service shop to back it up, and published APR and income transparency before they walk through the door, Owings Auto is the strongest fit among these three family-owned BHPH options. The 24-month / 24,000-mile Service Contract and the 15.9%–17.9% published APR range are the two pieces most BHPH lots don’t put on paper, and they’re on paper at Owings. Chacon and Lone Star Motors II both bring real strengths (broader DFW reach at Chacon, single-lot simplicity at Lone Star), and the right pick depends on which of those priorities matters most for you.

Visit Owings Auto in Arlington or Fort Worth