Business Details
16 Years
experience
Your Trusted Buy Here Pay Here Dealer in Garland, TX
At Cars & Credit Master, we are dedicated to providing exceptional customer service and personalized automotive solutions for individuals regardless of credit history. Founded in 2010, our dealership has grown to become a trusted name in the Dallas/Fort Worth and Houston metroplex, offering a wide selection of pre-owned vehicles with clean titles and comprehensive financing options. Our team of credit specialists excels in crafting tailored financial agreements to suit diverse budgets, ensuring fast and easy approval processes for customers with good, bad, or no credit. Backed by a BBB Accreditation and a 3-year/36,000-mile limited warranty, we prioritize transparency, reliability, and post-purchase support through our ASE-certified service department.Our inventory features late-model vehicles, including luxury SUVs like the Cadillac Escalade and Ford F-Series trucks, all rigorously inspected and detailed for quality. We emphasize in-house financing to eliminate third-party complexities, complemented by free vehicle history reports and competitive down payment programs starting at $1,499. Our commitment to customer satisfaction extends beyond sales, with a service team dedicated to efficient maintenance and repairs. With five convenient locations and a focus on affordability, we strive to make vehicle ownership accessible while maintaining industry-leading standards of integrity and customer care.
Services
Vehicle Sales
In-House Financing
Service Maintenance
Trade-In Appraisals
Parts Sales
Details
- Year established: 2010
Highlights and features
- BBB-accredited dealership with transparent financing practices
- Low down payments starting at $1,499 for qualified buyers
- In-house financing specialists for all credit types
- ASE-certified service department for reliable maintenance
- Over 500 rigorously inspected late-model vehicles in stock
Associations and certifications
- Better Business Bureau
What people say
Fast credit approval
No credit issues
Friendly staff
Great deals
Quality selection
Services
Used Vehicle Sales
We offer a comprehensive selection of late-model used vehicles with clean titles, including SUVs, trucks, sedans, and vans. Every vehicle undergoes a rigorous multi-point inspection and comes with an AutoCheck history report. Our inventory features brands like Chevrolet, Ford, and Cadillac, with pricing options tailored to various budgets. Customers can explore our online inventory or visit any of our five Texas locations for immediate availability.
Bad Credit Financing
Our specialized financing program caters to customers with bad credit, no credit, or limited credit history. Through our in-house financing solutions, we provide fast approvals with down payments starting at $1,499 and competitive interest rates as low as 2.9%. Our credit specialists work directly with buyers to create personalized payment plans without relying on third-party lenders, ensuring accessibility for all qualified applicants.
Automotive Service Center
Certified technicians in our ASE-accredited service center provide comprehensive maintenance and repair solutions for all vehicle types. Services include oil changes, brake repairs, engine diagnostics, and air conditioning maintenance. We offer convenient appointment scheduling and extended hours Monday through Friday to accommodate busy schedules while ensuring quality workmanship with minimal downtime for our customers.
Trade-In Appraisals
We provide free, no-obligation trade-in appraisals for vehicles in all conditions, from excellent to fair. Our evaluation process considers mechanical condition, exterior appearance, and market value to offer competitive trade-in prices. Customers receive transparent assessments with no hidden fees, and we handle all necessary paperwork to streamline the transaction during their next vehicle purchase.
Parts Sales
Our parts department supplies genuine and aftermarket components for various vehicle makes and models. We maintain inventory of essential parts to support both immediate repairs and scheduled maintenance needs. Customers benefit from expert guidance on part compatibility and quality options, with parts available for purchase during regular business hours or through our online ordering system.
People
Sarah Miller
Assistant Credit Coach
Dedicated to ensuring customer satisfaction, Sarah specializes in credit approval solutions and helps clients find their ideal vehicles while providing exceptional service.
Goran Kodzic
Credit Coach
Experienced in automotive financing, Goran works closely with customers to navigate credit challenges and secure tailored financing options for their vehicle purchases.
Luis Quintana
Credit Master
As a senior financing specialist, Luis leverages extensive industry knowledge to assist clients with diverse credit profiles in obtaining vehicle financing solutions.
Marco Monticalvo
Internet Sales Master
Marco manages online sales operations, focusing on delivering efficient digital purchasing experiences while maintaining personal customer connections.
Aylin Vargas
Internet Sales Master
Specializing in online vehicle sales, Aylin provides responsive customer support and guidance through the digital car buying process.
Questions
Can I get approved with bad credit?
Yes, we specialize in bad credit financing with approvals possible in as little as one hour through our in-house lending process.
What down payment options exist?
Down payments start at $1,499 with flexible options tailored to individual financial situations and vehicle selections.
Do vehicles include warranties?
All purchases come with a 3-month limited warranty, with extended coverage options available for added protection.
Are trade-ins accepted?
Yes, we offer free trade-in appraisals and credit for vehicles in all conditions during new purchase transactions.
What service options exist?
Our ASE-certified technicians provide maintenance and repairs for all vehicle types with appointments available Monday through Saturday.
Is financing guaranteed?
While we have high approval rates, final financing depends on verified application details and vehicle selection criteria.
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