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Business Details
Buy Here Pay Here Cars in Pampa, TX
Xtra Auto Center has been serving the Texas Panhandle since 2012, specializing in Buy Here Pay Here financing for customers with damaged or limited credit histories. Our team of experienced automotive professionals conducts rigorous multi-point inspections on every vehicle to ensure reliability and safety. We pride ourselves on transparent pricing, flexible payment options, and community-focused service that prioritizes customer needs over traditional dealership models.

Our inventory includes late-model sedans, SUVs, trucks, and vans sourced through dealer networks and auctions. With a 4.8-star rating from verified customers, we maintain a reputation for ethical business practices and post-purchase support that includes free vehicle checks within the first 30 days of ownership.
Services
Used Car Sales Buy Here Pay Here Financing Vehicle Locating Service Test Drive Scheduling Trade-In Appraisals Online Inventory Browsing Vehicle Inspection Service Credit Education Resources
Highlights and features
  • We offer Buy Here Pay Here financing with no credit check requirements
  • Every vehicle undergoes rigorous multi-point inspection before sale
  • We provide free post-purchase vehicle checks within first 30 days
  • Our team has 20+ years combined experience in BHPH dealership operations
  • We maintain 4.8-star ratings across multiple review platforms
What people say
No pressure sales Fair pricing Reliable vehicles Credit rebuilding help Friendly staff
Update Listing
Services
Buy Here Pay Here Financing
Our direct financing program helps customers with challenged credit histories secure vehicle loans without traditional bank requirements. We evaluate each applicant's current financial situation rather than past credit mistakes. This flexible approach has helped over 1,200 customers obtain reliable transportation since 2012.
Used Vehicle Sales
We maintain a rotating inventory of 65+ late-model vehicles including sedans, SUVs, trucks, and vans. Every vehicle undergoes comprehensive mechanical inspection and necessary repairs before receiving our quality certification. Our selection emphasizes fuel-efficient models and work-ready trucks.
Vehicle Locating Service
Our dealer network and auction access help customers find specific vehicle makes/models not currently in stock. This service includes price comparisons across regional listings and transparent reporting on vehicle history and condition.
Trade-In Appraisals
We provide fair market value assessments for trade-in vehicles regardless of purchase intent. Our appraisal process considers current inventory needs, vehicle condition, and regional market demand to maximize customer returns.
Post-Purchase Support
We offer complimentary vehicle checks within the first month of ownership and flexible payment arrangements. Our service team provides maintenance guidance and connects customers with local repair resources when needed.
People
Jeff Stevens
Sales Manager
With 15 years in the BHPH industry, Jeff specializes in helping customers rebuild credit through responsible vehicle financing. He leads our sales team with a focus on ethical practices and long-term customer relationships.
Questions
Do you require credit checks for financing?
No, we use our own in-house approval process that focuses on current financial responsibility rather than past credit history.
What types of vehicles do you offer?
We maintain 65+ pre-owned vehicles including sedans, SUVs, trucks, and vans from 2010-2024 models with emphasis on reliability and fuel efficiency.
How does Buy Here Pay Here financing work?
We act as both dealer and lender, allowing flexible terms and faster approvals without traditional bank requirements or credit score dependencies.
Are your vehicles inspected?
Every vehicle undergoes comprehensive mechanical inspection and necessary repairs before sale, including multi-point checks of safety systems and drivetrain components.
Can I trade in my current vehicle?
Yes, we accept trade-ins regardless of purchase timing and provide fair market value assessments based on condition and inventory needs.
What areas do you serve?
We primarily serve the Texas Panhandle including Pampa, Lubbock, Amarillo, and surrounding communities within a 120-mile radius.