Finance
We believe in
GOOD PEOPLE
WITH BAD CREDIT
Join the thousands of Cars and Credit Master fans and Get Approved in a matter of minutes!
Cars and Credit Master is the leading Top Rated Buy Here Pay Here dealership serving people who need a used car loan. If you have good credit, bad credit or no credit or have been turned down with outrageous down payments, we can help you with our strong in-house financing options and flexible terms with fixed rates.
START NOW. DRIVE TODAYTired of your old car or need a new one? We made it easy as 1 2 3!
Over 500 reliable vehicles to choose from.
Tired of your old car or need a new one? We made it easy as 1 2 3! Over 500 reliable vehicles to choose from.
Review your approval
Know your terms before you come to the dealership. In a matter of minutes, our representatives will call and review your approval details with you. In a hurry? Call us for your approval! 469-930-4100.
Find and Pick up the car that is right for you
Knowing your approved loan amount, you will spend no more than 30 minutes at the dealership. Just choose your vehicle and then drive away home happy!
Why You Will Love Us
Auto loans for all credit types (Bad Credit No Credit, Sin Seguro, Sin Licencia, It's OK!)
Low Monthly Payments (Our Credit Masters' job is to make sure your payments fit your budget)
Fast and easy approval process – Know your down payment and monthly payments before you come in dealership
Over 500 Cars, Trucks and SUVs in stock
3-Year/36000 Mile Limited Warranty included
FREE AutoCheck® history reports
Verified Google Reviews – 4.8
Comprehensive Reconditioning and Inspection
Online payment options – Not your typical Buy Here Pay Here dealership Secure and confidential process
Frequently Asked Questions
How much down payment do I need?
Cars and Credit Master earned its reputation with affordable down payments and monthly payments with unmatched after sale service. Although down payment depends on the vehicle, we have vehicles you can drive away with as low as $950 down! Small buy here pay here dealerships and our competitors ask $1000 more on average for similar vehicles. Thanks to our strong in-house financing, we have helped thousands of satisfied customers over a decade with reliable vehicles and affordable payments.
Do I need a valid driver's license?
CarsMaster offers the easiest and fastest car buying experience. Please bring the following items with you to the dealership: Your most recent pay stub, bank statement or letter of employment. Your most recent utility bill or bank statement (to establish proof of residence). Down payment, State issued ID or DL or a Passport (We can even help you with your expired DL!)
How long do I need to be employed to qualify for financing?
Unlike most in-house financing dealerships, we do not have a minimum time at employment requirement. At Cars and Credit Master, we truly mean it when we say your past is not a factor in our loan approval process. If you are currently employed and make a minimum of $350/week income, you are prequalified!
I have repos, late payments and collections. Can you help me?
At Cars and Credit Master, repos, missed payments or other challenged credit situations do not affect your approval. If you do not have an active bankruptcy and meet our minimum income requirement, lowest in the market, we ensure fast and easy credit approval.