Arlington
Used Cars & Buy Here Pay Here Financing in Arlington, TX
In a city with no bus line to catch, a dependable car isn't optional. Owings Auto has financed used cars, trucks, and SUVs for Arlington families in-house since 1985 — no banks, no credit score minimum, and a real answer the same day you apply.
Built for the way Arlington actually gets around
Arlington is the largest city in America with no citywide bus system — there hasn't been fixed-route transit here since 1934. Getting to a shift at the GM Assembly Plant, a class at UTA, or a game-day job in the Entertainment District comes down to one thing: a car you can count on. That's the buyer we've served for 40 years.
No bus, no problem you can't fix here
Rideshare covers a trip here and there, but it won't get you to a 5 a.m. shift at the GM plant or an 8 a.m. class at UTA every day. We keep working people in reliable vehicles they own outright over time.
You live in the middle of the metroplex
Arlington sits squarely between Dallas and Fort Worth. Plenty of our customers commute both directions on I-30 and I-20, so a car that starts every morning matters more here than almost anywhere.
Approved on your situation, not just a score
Turned down elsewhere for bad credit, no credit, a past repo, or bankruptcy? We finance in-house, so a real person reviews your income and your story — not an algorithm at a bank two states away.
Why this matters if you live in Arlington
With no public bus network and roughly 400,000 residents spread across the city, Arlington is effectively car-mandatory. Owings Auto exists to make that car reachable for people the banks won't approve — with financing decided here, in Arlington, the same day you walk in.
From application to keys in four steps
Because the money is ours, the timeline is ours. Most Arlington buyers go from application to driving home the same day.
Pre-qualify online
Fill out a short form from your phone. It's a soft step — checking eligibility doesn't ding your credit.
Bring your documents
Stop by the Division Street lot with a few basics (list below). We verify income and confirm what you qualify for.
Pick from your price sheet
You receive a printed price sheet showing each vehicle's sale price, down payment, and weekly payment. The sheet is the price — no back-and-forth.
Drive home today
Sign, put your money down, and leave in a car covered by a free 24-month/24,000-mile service contract.
If a bank has said no, start here
Owings Auto has never used outside lenders. Every approval is decided in-house, which is exactly why we can work with credit situations franchise dealers pass on. New to how it works? Start with our used-car buyer's guides.
- Bad credit & no credit — no minimum score to apply
- After bankruptcy, repossession, foreclosure, or divorce
- Self-employed & ITIN-only buyers welcome
- Rebuilding credit — payments help you move forward
Rare for a Buy Here Pay Here lot: we publish our rate
Owings offers APR options of 15.9% to 17.9%. Most Buy Here Pay Here dealers won't name a rate until after you're approved. We put ours in writing up front, so you can compare honestly before you ever fill out a form.
To qualify, you'll need at least $2,000/month in net income. Down payments vary by vehicle and are shown on your price sheet — nothing hidden, nothing negotiated in circles.
See How Financing WorksWhat to bring to the lot
Have these ready and you can finish in one visit. No Texas license yet? A cosigner who has one can get you approved.
- Texas driver's license (or a cosigner who has one)
- Proof of income — showing at least $2,000/month net
- Proof of residence — a recent bill or lease
- Proof of insurance (we can point you to options)
Cars, trucks, and SUVs across a range of makes
What sells in Arlington isn't what sells everywhere. Between the GM plant, big families in Mansfield and southeast Arlington, and students commuting to UTA, we stock for how people here actually drive.
Work-ready pickups
For the trades, towing, and shifts at the GM Arlington Assembly Plant. Full-size and mid-size.
Browse trucks
Family SUVs
Room for car seats and school runs across Arlington ISD and Mansfield ISD.
Browse SUVs
Commuter sedans
Easy on gas for UTA students and the daily I-30 run to Dallas or Fort Worth.
Browse cars
Low-down options
Ask about vehicles that fit a smaller down payment before the week's out.
See what's in stockA free service contract and our own shop
Every vehicle comes with a 24-month / 24,000-mile service contract at no extra cost, covering the engine, transmission, water pump, fuel pump, and radiator. And we don't send you across town when something needs attention — Owings runs its own on-site service shop.
- Coverage included on every vehicle — not an upsell
- On-site shop right here in Arlington
- The people who sold you the car still stand behind it
Why buy here instead of a big franchise dealer
If your credit is the reason a franchise store or online dealer keeps saying “we'll see,” here's how the paths really compare.
| What matters to you | Owings Auto (BHPH) | Big franchise dealer | Online-only dealer |
|---|---|---|---|
| Who decides your loan | Owings, in-house | A third-party bank | A third-party lender |
| Bad credit / no credit | Built for it | Often declined | Score-gated |
| Rate shown before you apply | Yes — 15.9–17.9% | Rarely | Rarely |
| Drive home the same day | Yes | Depends on approval | Delivery wait |
| Free 24-mo / 24k service contract | Included | Add-on | Varies |
| On-site service shop | Yes | Yes | No |
| Talk to a real local person | On Division St | Sometimes | Chat / phone |
Is Buy Here Pay Here the right way to buy?
We'll be straight with you: Buy Here Pay Here isn't for everyone. It exists for drivers a bank won't approve, and the trade-off for that access is a higher APR than prime borrowers get. Here's how to tell where you stand before you ever come in.
A good fit if you…
- Have been turned down by banks for bad credit or no credit
- Are rebuilding after bankruptcy, a repossession, foreclosure, or divorce
- Are self-employed or ITIN-only and can show $2,000+/month net income
- Need a dependable car in Arlington now, not in three weeks
Consider a traditional loan if you…
- Have a credit score in the mid-600s or higher
- Can wait and shop multiple bank or credit-union offers
- Qualify for an APR that beats a Buy Here Pay Here rate
- Want the lowest total cost more than a fast approval
Our honest take
If a credit union will finance you at a lower rate, take it — we'll tell you so. But if you've already been turned away, a Buy Here Pay Here loan you pay on time is one of the most reliable ways to rebuild your credit and keep a dependable car in your driveway. That's why we publish our 15.9–17.9% APR up front: so you can make the call with real numbers, not a sales pitch.
Neighborhoods and cities we serve
Our Division Street lot sits near downtown Arlington and the Entertainment District, an easy drive from Cooper Street, Collins Street, I-30, and Highway 360. We finance drivers across Arlington and the surrounding metroplex.
Arlington areas
Nearby cities
How far is Owings Auto from where Arlington works?
Approximate drive times from our Division Street lot to the places Arlington drives to most. A car you can count on turns each of these into a predictable commute.
| Destination from 519 E Division St | Approx. drive | Who this matters to |
|---|---|---|
| University of Texas at Arlington (UTA) | ~5 min | Students financing a first car |
| GM Arlington Assembly Plant | ~8 min | Shift workers on rotating schedules |
| Entertainment District (AT&T Stadium / Globe Life Field) | ~6 min | Event, retail, and hospitality jobs |
| The Parks Mall & south Arlington retail | ~10 min | Service and retail shifts |
| Downtown Dallas (via I-30) | ~25 min | The eastbound metroplex commute |
| Downtown Fort Worth (via I-30) | ~25 min | The westbound metroplex commute |
| DFW International Airport (via SH-360) | ~20 min | Airport-area logistics and shift work |
Drive times are approximate and vary with traffic. Our lot sits on Division Street (SH-180) with quick access to I-30, I-20, Cooper Street, and Highway 360.
“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.”
“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!”
“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…”
“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 Arlington weather asks of a used car
Triple-digit summers
Arlington bakes past 100° for weeks. We check that the A/C blows cold and the cooling system is sound before a car ever hits the lot — because a dead compressor in July isn't a small problem here.
Winter ice snaps
Every January or February, a hard freeze glazes the overpasses on I-30 and the SH-360 interchange before anything else. Good tires and brakes aren't optional. Ask us what to look for on a test drive.
Spring hail season
Arlington sits in the heart of North Texas hail country. If a car you like carries past hail history, we'll explain plainly what it means for its price and reliability before you decide.
Straight answers before you drive over
Can I get financed in Arlington with bad credit or no credit?
How long does approval take?
What do I need to bring to get approved?
What APR does Owings Auto charge?
How much is the down payment?
Do you serve buyers outside Arlington?
Is there a warranty on the car?
Can I buy a car with an ITIN instead of a Social Security number?
Will making payments here help me rebuild my credit?
Can I trade in a vehicle I still owe money on?
What happens if I'm going to be late on a payment?
Explore the rest of Owings Auto
Get pre-approved in minutes. Drive home today.
No banks, no credit score minimum, and a rate you can see before you apply. Arlington's second-chance dealership since 1985.