What Makes Us Different

Serving Cities

FOR CAR REPAIRS, FINANCING, BUYING A PRE-OWNED CAR IN TEXAS

Auto Center of Texas won’t rest until we’ve found you a great vehicle at the right price!

Auto Center of Texas serves the following Texas towns and cities:

Kemp, TX   •   Mabank, TX   •   Ennis, TX   •   Waxahachie, TX   •   Mesquite, TX   •   Fate, TX   •   Rockwall, TX

Forney, TX   •   Willis Point, TX   •   Canton, TX   •   Athens, TX   •   Royse City, TX   •   Garland, TX   •   Plano, TX

And, of course, we serve all the hometown folks of Terrell, TX; Kaufman, TX; and Dallas, TX as well!
 

Frequently Asked Questions

How much will I get pre-approved for?
The loan amount that you will get pre-approved for is based on a number of factors. We use special technology to determine the exact amount.

How much money down will I need?
The down payment you will need is based on a number of factors, such as the vehicle you’ve selected and the monthly payment you desire.

Can I use my trade as money down?
Yes!

Will inquiries affect my credit rating?
When you are shopping for an auto loan, creditors check your credit which places an inquiry on your credit report. But when those inquiries come in a short period of time, such as shopping for a car, the multiple inquiries have less impact on your overall credit.

Can I use you to finance a vehicle through a private owner?
Auto loans obtained through Auto Center of Texas can only be used to purchase vehicles from our inventory. Each dealer selected by us has passed a rigorous screening for quality and customer service. This process ensures that each customer will purchase a dependable vehicle. When a vehicle is purchased from a private owner we have no way of determining the quality and dependability of the car.

Will Co-signers help me get pre-approved?
A Co-signer may be considered for a Buyer who does not comply with all the credit requirements. The income of the Buyer, however, must meet all the income and budget guidelines without reliance upon the income of the cosigner.

What are the monthly payments?
Monthly payments are based on your credit, down payment and the vehicle you are purchasing.

Should I find a car first before applying for an auto loan?
We recommend that you consult with one of our auto loan specialists first. They can determine how much you qualify for before you start shopping. This method will increase your chances of approval, and decrease the number of inquiries on your credit report