by Jeff Stevens - Posted 1 month ago
If you live in Amarillo, TX and have ever struggled to get approved for a traditional vehicle loan, you already know how discouraging the process can be. Banks and credit unions often rely on strict lending requirements, making it difficult for many local drivers to move forward. Whether your challenges stem from limited credit history, inconsistent past payments, or financial setbacks, you still need a dependable vehicle to get to work, take care of family obligations, and manage daily life.
Buy Here Pay Here (BHPH) financing offers a practical, local solution. At Xtra Auto Center, we help Amarillo drivers secure reliable transportation without jumping through the hoops that come with traditional lenders. Our process is simple, straightforward, and designed to work with your current situation—not your past.
Buy Here Pay Here financing means that the dealership provides the financing directly instead of sending your loan request to an outside bank. This allows us to base approvals on practical factors such as your income, employment stability, and residency—rather than relying on strict credit-based formulas.
With BHPH, you make your payments directly to us, keeping the process local and easy to manage.
Traditional lenders focus heavily on your past. At Xtra Auto Center, we look at what matters most—your ability to make payments now. This opens the door for drivers who have faced job loss, medical bills, unexpected life events, or simply haven’t built enough credit yet.
There’s no waiting for a distant bank to respond. Because we make the decisions ourselves, the process moves quickly. Many Amarillo drivers appreciate being able to get answers the same day they visit.
Our used vehicle inventory includes dependable cars, trucks, vans, and SUVs that are ideal for commuting around Amarillo, trips to Canyon or Pampa, weekend travel, and everyday West Texas driving. Every vehicle is inspected before it’s made available for purchase.
Saving a large down payment can be hard. Our Buy Here Pay Here program offers flexible down payment options to help you get into a vehicle that fits your budget.
As a local dealership serving Amarillo and the surrounding communities, we value honesty, respect, and long-term relationships. Our team is here to help—not to pressure you into a vehicle that doesn’t fit your needs.
Our process is designed to make buying a vehicle simple and stress-free for Amarillo drivers. Here’s how it works from start to finish:
We’re proud to serve Amarillo, Canyon, Pampa, Borger, Dumas, Hereford, and surrounding West Texas communities. Drivers choose us because we offer:
Don’t just take our word for it—visit our testimonials page to read real customer experiences.
If you’re ready to explore Buy Here Pay Here financing, we’re here to make the process straightforward and stress-free. Whether you’ve faced financial challenges or simply want a simpler car-buying experience, we’ll help you find the right vehicle for your needs.
At Xtra Auto Center, we’re committed to helping Amarillo drivers get behind the wheel of a reliable vehicle with confidence.
| 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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