• Mon - Sat • 9:00 – 7:00
  • 3458 E. HWY 175, Kaufman | 1615 W. Moore Ave., Terrell | 9809 C F Hawn Fwy, Dallas
  • 469-804-2353

Why Buy Here

Customer service is not a
department, it's what we do.

Why Buy From Auto Center of Texas?

Car saleWe are Auto Center of Texas, proudly serving the communities of Terrell, Kaufman, Dallas and the surrounding areas with the best selection of used vehicles around. When you need a pre-owned car in Texas, the only place you should look is Auto Center of Texas. We’ve made a name for ourselves providing top-notch customer service to the drivers of Texas in our sales, finance, and service.

Our inventory provides a wide array of late-model pre-owned vehicles ready for you to test out and we even offer down payments of as little as $499! The Auto Center of Texas has access to a large database of additional used cars, trucks, SUVs, vans, sports cars, hybrids, and more. We won’t make you settle just because we don’t currently have the vehicle you need! We take pride in always finding you that perfect “needle in a haystack” and look forward to putting our vast sales experience and research skills to work for you.

Auto Center of Texas has been helping Texans get behind the wheels of safe, affordable, fun transportation for years, and we make it our top priority to say “YES!” to everyone, regardless of their credit history. Whether you’re just starting out on your credit and need to build your score, have hit some hard patches, or don’t have a trade-in to use for the purchase of your car from the Auto Center of Texas, we’ll still work with you! Just let our finance team take a look at your situation, and go to work on your behalf with banks for additional revenue.

What Makes Us Different

Serving Cities


Auto Center of Texas won’t rest until we’ve found you a great vehicle and a fantastic deal, so don’t waste another second trying to make a car deal with someone who’ll just say no–come to Auto Center of Texas, where our job is to say yes!

Auto Center of Texas serves the following Texas towns and cities:

Kemp, TX   •   Mabank, TX   •   Ennis, TX   •   Waxahachie, TX   •   Mesquite, TX   •   Fate, TX   •   Rockwall, TX

Forney, TX   •   Willis Point, TX   •   Canton, TX   •   Athens, TX   •   Royse City, TX   •   Garland, TX   •   Plano, TX

And, of course, we serve all the hometown folks of Terrell, TX; Kaufman, TX; and Dallas, TX as well!

Frequently Asked Questions

How much will I get pre-approved for?
The loan amount that you will get pre-approved for is based on a number of factors. We use special technology to determine the exact amount.

How much money down will I need?
The down payment money amount that you will need is based on a number of factors.

I’m currently in a Chapter 13 Bankruptcy. Can I pre-qualify?
Yes. However, it may take longer to process your loan. You have to obtain an “Authorization to Incur Debt” from the trustee of your bankruptcy. This normally takes two to three weeks. Consult your bankruptcy attorney.

Can I use my trade as money down?
Yes! Additional money, however, may be required if there is a lien on the automobile that you are trading.

I’ve never had credit before. How can I get pre-approved?
We have several First Time Buyer Programs.

Will inquiries affect my credit rating?
If you’re shopping around for an auto loan or more credit, you should know that when creditors check your credit, it places an inquiry on your credit report. Inquiries can add up, which is often interpreted negatively by creditors. For this reason, too many inquiries can actually make getting an auto loan more difficult.

Can I use you to finance a vehicle through a private owner?
Auto loans obtained through Auto Center of Texas can only be used to purchase vehicles from our inventory. Each dealer selected by us has passed a rigorous screening for quality and customer service. This process ensures that each customer will purchase a dependable vehicle. When a vehicle is purchased from a private owner we have no way of determining the quality and dependability of the car.

Will Cosigners help me get pre-approved?
A Cosigner may be considered for a Buyer who does not comply with all the credit requirements. The income of the Buyer, however, must meet all the income and budget guidelines without reliance upon the income of the cosigner.

I’ve been turned down before. How can you help?
We use state of the art technology that evaluates your credit profile, available inventory, income, as well as debt factors. Our process ensures that each application has the best possibility of approval prior to submission.

What are the monthly payments?
Monthly payments are based on your credit profile and the vehicle you are purchasing. Newer, lower mileage cars qualify for extended terms. The best payments are on less expensive cars that have less than 50,000 miles.

Should I find a car first before applying for an auto loan?
We recommend that you consult with one of our auto loan specialists first. They can determine how much you qualify for before you start shopping. This method will increase your chances of approval and decrease the number of inquiries on your credit report.

I’ve had a repossession less than a year ago. Can I still get pre-qualified?
If the repossession was not included in a bankruptcy and there is still a balance on the account, you can still pre-qualify. Greater money down requirements will apply and vehicle selection will be limited to newer cars that are still under factory warranty.

What are the minimum qualifications to get pre-approved?
There are no minimum qualifications to pre-qualify! Each auto loan application is evaluated based on the credit profile and equity position. An applicant with previous good auto credit, for example, may not have to meet income and job time requirements; whereas an applicant with a recent repossession would.


Have a Question? Call Today!