by Jeff Stevens - Posted 2 months ago
For many drivers in Vernon, TX, the traditional car-buying process can feel out of reach. Banks and credit unions often require high credit scores, lengthy histories, and spotless payment records before they’ll consider lending. If you’ve faced financial challenges—such as job loss, medical bills, divorce, or limited credit history—you know how quickly those requirements can make financing feel impossible.
That’s where second chance auto loans come in. At Xtra Auto Center, we believe reliable transportation should be within reach for everyone. With in-house financing and a customer-first approach, we make it possible for drivers in Vernon and surrounding areas to get back on the road without relying on rigid, outside lenders.
A second chance auto loan is designed for people who have faced financial setbacks or who are just starting to build a payment history. Unlike traditional loans that rely heavily on credit scores, these loans focus on your current ability to make payments.
At Xtra Auto Center, our program is straightforward:
This approach eliminates the middleman, giving you more flexibility and a faster decision process.
We’ve worked with drivers from Vernon and surrounding towns who faced all types of financial challenges. You may benefit from a second chance loan if you are:
If any of this sounds familiar, second chance financing could be a good fit for you.
When you’re shopping for second chance auto loans in Vernon, TX, you want more than just a vehicle—you want a dealership that understands your situation and provides real solutions. Here’s why customers across the Texas Panhandle choose us:
All financing decisions are made in-house, which means you won’t be waiting days for an answer from an outside bank.
From cars to trucks to SUVs, our inventory offers dependable options at a variety of price points. Every vehicle is inspected before being listed for sale.
We know saving a large down payment isn’t always possible. That’s why we work with you to find a solution that fits your budget.
At Xtra Auto Center, we treat every customer with honesty and respect. Our goal is to make car buying straightforward, not stressful.
Getting ready for a second chance auto loan doesn’t have to be complicated. You can set yourself up for success by taking these simple steps before you visit our lot:
Decide how much you can comfortably spend each month, including insurance, gas, and regular maintenance. Choosing a payment you can manage long-term is key.
Even a modest down payment can make financing easier and lower your monthly cost.
When you come to Xtra Auto Center, bring:
Having these ready can speed up the process and help you drive home sooner.
Here’s what you can expect when shopping for a second chance auto loan with us:
Once you’re back on the road, here are a few tips to make your experience a positive one:
Though we’re talking about Vernon here, our dealership is proud to serve customers from across the Texas Panhandle and the South Plains. Drivers come to us from Wichita Falls, Altus, Childress, and smaller communities around Vernon because of our reputation for fairness and flexibility.
If you’re ready to explore second chance auto loans, Xtra Auto Center is here to help. Whether you’re recovering from financial setbacks or simply need a dealership that looks at your current situation instead of your past, we’ll guide you every step of the way.
At Xtra Auto Center, we believe every driver deserves the opportunity to own a reliable vehicle. Let’s get started today.
| 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
This page has been visited 47,404 times since March 08th, 2018
Xtra Auto Center has been visited 10,825,610 times.
OTHER (3)
