Your Local Buy Here Pay Here Dealership for Quality Used Cars, Trucks, Vans & SUVs
Welcome to Xtra Auto Center LLC, your trusted destination for quality used cars, trucks, vans, and SUVs in the Texas Panhandle and beyond. From the moment you visit our lot or browse our inventory online, you’ll see why customers from Lubbock, Amarillo, Plainview, Canyon, Hereford, Dumas, Borger, and Vernon choose us for their next vehicle.
We specialize in Buy Here Pay Here financing and in-house financing designed to help drivers from all walks of life get behind the wheel of a dependable pre-owned vehicle. Whether you’ve had credit challenges in the past, you’re a first-time buyer, or you simply want a straightforward way to purchase your next car, we make the process simple, transparent, and stress-free.
Our goal is straightforward: We focus on your future, not your past.
Buying a vehicle should be an exciting experience, not a stressful one. That’s why at Xtra Auto Center, we’ve built our business around honesty, transparency, and flexibility. Here’s what sets us apart:
Buy Here Pay Here Advantage – Your financing is handled in-house, giving you more flexibility and faster decisions.
Support for All Situations – We believe everyone deserves reliable transportation, regardless of credit history.
Wide Selection – Browse our ever-changing used car inventory of cars, trucks, vans, and SUVs.
Fast, Friendly Service – Our team treats every customer with respect and care.
Convenient Online Tools – From finding your next vehicle to scheduling a test drive, you can start the process online anytime.
We’re proud to be a trusted dealership for customers across the Texas Panhandle and the South Plains region. While our location is convenient, our reputation for friendly service and flexible financing brings in drivers from:
Lubbock, TX – The largest city in our region, where many customers choose us for fair pricing and reliable service.
Amarillo, TX – A hub for used car buyers seeking a dealership that truly works with them.
Plainview, TX – Our competitive selection makes the drive worth it.
Canyon, TX – Customers love our hometown feel and professional service.
Hereford, TX – Known as the “Beef Capital of the World,” but also home to smart car buyers who trust us.
Dumas, TX – Drivers here appreciate our no-pressure sales and straightforward process.
Borger, TX – Small-town values meet big-city selection at Xtra Auto Center.
Vernon, TX – Customers travel from all over to take advantage of our flexible in-house financing.
No matter where you’re from, we’re committed to giving you a dealership experience worth the drive.
The Buy Here Pay Here model means we finance you directly, without a bank or outside lender in the middle. That means:
Faster Decisions – No waiting days for a bank’s response.
Accessible Options – Even if you’ve had bankruptcies, repossessions, or missed payments in the past, we review your current situation.
Flexible Terms – We can customize your payment schedule.
Our in-house financing is perfect for customers who want to skip the traditional hassles of used car buying. Instead of focusing on your past credit mistakes, we look at your current ability to make payments and your future potential.
At Xtra Auto Center, our lot is stocked with a wide variety of makes and models, including:
Fuel-efficient sedans for commuting.
Heavy-duty pickup trucks for work.
SUVs for families and road trips.
Vans for growing households or small businesses.
We thoroughly inspect every vehicle before it goes up for sale, ensuring you get the dependability and peace of mind you deserve. You can start browsing our current inventory right now.
We believe our customers say it best. That’s why we proudly share their experiences on our testimonials page.
We’ve made it simple to start your car buying journey from home:
Schedule a Test Drive – Reserve time with the vehicle you love.
Find Your Vehicle – Tell us what you’re looking for, and we’ll help you locate it.
Sell or Trade Your Vehicle – Get a fair value toward your next purchase.
Refer a Friend – Earn rewards when someone you send buys from us.
Employment Opportunities – Join our team and grow with us.
Xtra Auto Center isn’t just a dealership — we’re part of the community. We support local events, sponsor youth programs, and look for ways to give back to the people who make our business possible.
Behind every successful car sale is a team of dedicated professionals. Visit our staff bios to meet the friendly faces who will help you from start to finish.
Whether you’re ready to buy, need more information, or want to discuss your financing options, our team is here to help. You can contact us online, call, or stop by in person.
We look forward to helping you focus on your future, not your past.