It's Easy To Finance The Perfect Car

Easy, In-House Financing


Getting approved is a very fast process


We make the approval process easy and painless


Our in-house financing give you multiple options for approval

Auto Loans in Tyler, Longview, & Texarkana

AutoSmart makes it easy to finance the perfect car. We can make ownership a reality by extending flexible, in-house financing to customers like you, even if you have bad credit. Fill out our simple financing application to get pre-approved for an auto loan and start shopping today.

happy woman smiling signing paperwork at dealership
woman smiling leaning on steering wheel

How In-House Financing Works

Many buyers worry that their credit history will ruin their dreams of car ownership, but AutoSmart works with all kinds of drivers. AutoSmart wants you to own your journey and is willing to work to help make that happen. We offer buy here pay here financing (or “bad credit car loans”) in addition to traditional automotive financing so that everyone can find the car that fits their life and their budget. We're unlocking access to automobile ownership for everyone with low payments, flexible financing options, and friendly service that's all about you.

Why Choose AutoSmart?


Low Prices

AutoSmart makes vehicle ownership a reality by offering affordable vehicles.

keys with paperwork and toy car

In-House Financing

We help people with all credit levels get approved and get behind the wheel of the perfect vehicle.

happy couple holding keys to new car

Peace of Mind Warranty

AutoSmart provides an 18-month / 18,000 mile warranty.

Can You Get a Car Loan With Bad Credit?

While traditional banks and car dealerships will not typically approve an auto loan for someone with a poor credit history or low credit score, a buy here pay here dealership like AutoSmart can approve you for a car loan, no matter your credit score or history.

Can You Finance a Used Car?

Yes, you can finance a used car. At a buy here pay here dealership like AutoSmart, we offer easy in-house financing for all of our used vehicles, no matter your credit history.

Does Buy Here Pay Here Depend On My Credit?

Although AutoSmart runs credit checks for flexible in-house financing, we understand our customers are more than just a credit score. Instead of using only your credit history like traditional banks and car dealerships to make financing approval decisions, we also focus on your current income and financial situation to help you get the auto financing you need.

Is Buying A Used Car A Good Idea?

Right now is one of the best times for drivers to buy a used car. Autosmart offers low payments and warranty coverage at no additional cost on every car we sell!

Can I Buy A Car Without Credit History?

It’s possible to purchase a vehicle with no credit, however, your financing options may also be limited, and you will probably face challenges that buyers with a strong credit history may not encounter. Lenders commonly prefer applicants who have an established pattern of responsible borrowing and making on-time payments.

Does Buy Here Pay Here Help Your Credit?

Anytime you take out a loan with a lender and they report the routine payments to the credit bureau, then you have the chance to improve your credit. Therefore, buy here pay here loans should certainly assist your credit if the payments are made in a timely manner.

What Does "Buy Here Pay Here" Mean?

Buy Here Pay Here dealerships offer a different car-buying process by selling and financing the cars straight off their lots.

How Long Does It Take to Get Approved?

Our approval process is quick and easy! You can start your online application now and get pre-approved before you visit our lot. Get started on your application today and give us a call if you have any questions!