by Jeff Stevens - Posted 1 week ago
For many drivers in Canyon, TX, traditional car loans aren’t always an option. Banks and credit unions often require high credit scores, low debt ratios, and spotless payment histories. If you’ve had financial bumps along the way, those requirements can be hard to meet.
That’s where Buy Here Pay Here (BHPH) financing comes in. At Xtra Auto Center, we focus on practical paths to vehicle ownership for drivers from every background.
Buy Here Pay Here financing means the dealership is also the lender. Instead of sending your information to an outside bank, we handle the financing in-house. This gives us flexibility that many traditional lenders don’t offer.
When you make payments, you pay directly to us—not a distant finance company.
Traditional lenders rely heavily on your credit score. At Xtra Auto Center, we look at your current situation—your income, stability, and ability to make consistent payments. Past challenges like late payments or collections won’t automatically disqualify you.
Because decisions are made locally, there’s no long wait for an answer. Many customers in Canyon are able to choose a vehicle and complete the process the same day.
We understand that saving for a large down payment can be difficult. Our BHPH program offers options that can align with your budget.
From sedans to SUVs to trucks, our inventory includes dependable vehicles that are inspected before sale so you can feel confident in your purchase.
We’re part of your community. Our customers in Canyon appreciate working with the same friendly team members each visit. We’re here to answer questions and help you find the right fit.
We’ve built our reputation on fairness, transparency, and respect for every customer. Whether you’re buying your first vehicle or returning to the market, we’ll work hard to earn your trust.
Buy Here Pay Here financing offers a practical path to vehicle ownership for drivers who might otherwise be left out. In Canyon, TX, Xtra Auto Center is proud to be a trusted source for straightforward in-house financing and reliable vehicles—without the hassles of traditional lending.
| Mon: | 8:00am - 6:00pm |
| Tue: | 8:00am - 6:00pm |
| Wed: | 8:00am - 6:00pm |
| Thu: | 8:00am - 6:00pm |
| Fri: | 8:00am - 6:00pm |
| Sat: | 9:00am - 6:00pm |
| Sun: | Closed |
Xtra Auto Center: Used Cars in Pampa Texas
Xtra Auto Center is a pre-owned auto dealer in Pampa Texas. We carry a great selection of Pampa used cars for sale. As a buy here pay here Texas auto dealer we can get you approved and back on the road today. Call today or apply online now for quick and easy Texas auto financing. At Xtra Auto Center, we feel that we have the best used Cars, Trucks, SUVs and Vans in Pampa Texas. If you are looking for a slightly used or pre-owned vehicle you have come to the right place. Here at Xtra Auto Center in Pampa Texas, we offer “Buy Here Pay Here” auto financing to consumers in Pampa Texas with bruised credit, damaged credit or just plain bad credit. Traditionally the type of inventory that most BHPH dealers stock is late model and have high mileage, but here at Xtra Auto Center we make sure to stock the best used cars in all of Pampa TX. Do you have Bad Credit? If so that’s ok! Have you ever been divorced or had a repossession, again that’s ok because here at Xtra Auto Center we offer Buy Here Pay Here auto financing to all residents in Pampa. Here at Xtra Auto Center we understand your situation and are willing to help you get into the Car, Truck, SUV or Van of your dreams today! If you need an auto loan in Pampa TX then you have found the right place, wither your one of our many repeat customers or you’re a first time car buyer in Pampa TX with bad/baby credit or have things on your credit report that are holding you back from your automotive dreams then come down to see us at Xtra Auto Center, we will make sure to get you into the car that you deserve at the price you can afford. We feel that we have the best used Cars, Trucks, SUVs and Vans in all of Pampa TX. We offer the best Buy Here Pay Here deals in all of Pampa TX then other Buy Here Pay Here dealer. Here at Xtra Auto Center you will notice the difference, we take pride in our inventory and it shows! We make sure to go the extra mile to make sure that all our customers are completely satisfied with vehicle that they drive home with. Most BHPH dealers just want to make a quick buck and leave you fighting for funds. They will sell you an automobile that will run for a couple months and then break down on you and still leave you with that annoying monthly payment. Well not at Xtra Auto Center, we make sure to run all our Cars, Trucks, SUVs and Vans through an extremely rigorous inspection before we stamp the Xtra Auto Center name on any vehicle on our lot! BHPH “Buy Here Pay Here” means that no traditional bank approval is necessary to purchase a vehicle at Xtra Auto Center. Even if your FICO score is less than 600, which would traditionally prohibit a resident from Pampa TX from buying a vehicle, well here at Xtra Auto Center we will go the extra mile to make sure that you drive off the lot in an amazing Car, Truck, SUV or Van. So what are you waiting for come on down to Xtra Auto Center located at 807 West Foster Avenue Pampa Texas 79065 today and see how we are becoming the best BHPH dealer in Pampa TX!
Xtra Auto Center
1401 N. Hobart
Pampa, Texas 79065
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Crew Cab Chassis (1)
