Learn answers to frequently asked questions about the financing process
raditional Autos offers in-house financing. For most customers, our financing process is simple and seamless, and we work hard to get you into the perfect vehicle quickly and conveniently. Click on each question to see the answer.
What is Buy Here Pay Here financing?
Buy Here Pay Here financing is a type of auto financing where the dealership acts as the lender. You can purchase a vehicle and make your payments directly to Traditional Autos through flexible in house financing options.
What do I need to bring to my appointment?
If you are already fully approved through our online application, you will only need to bring a valid photo ID and your initial down payment to your vehicle selection appointment.
If you are pre-approved or have not yet applied, please bring proof of income such as pay stubs or benefit documentation, proof of residence like a utility bill or lease agreement, and a valid photo ID including a driver license, state ID, or passport. Bringing these items helps speed up the approval and vehicle selection process.
Where can I make my payments?
Making your payments is simple and convenient. You can pay online through our website or visit us in person at the dealership. Just click the Make a Payment option at the top of the page to get started.
Can I drive my vehicle home the same day?
Yes. In most cases, once your approval and paperwork are complete, you can drive your vehicle home the same day.
Do you offer a warranty on your vehicles?
Yes. Traditional Autos includes a 3 month or 3,000 mile limited warranty on qualifying vehicles to give you added peace of mind with your purchase.
Can I get financing with bad credit or no credit?
Yes. We work with customers from all types of credit backgrounds. As long as you complete an application and provide the required documentation, our in house financing program is designed to help you move forward.
How much is the down payment?
Your down payment will depend on factors such as income, residence stability, and the vehicle you choose. A larger down payment may increase your approval options and give you access to more vehicles.
Do you report payments to credit bureaus?
Yes. We report your payment history to TransUnion on a monthly basis. Making your payments on time can help you build or improve your credit over time.
Regardless of Credit Score!
Will you check my credit?
Yes. As part of the financing process, we may review your credit report to help determine appropriate loan terms, down payment, and payment structure.
What are the requirements for Buy Here Pay Here financing?
Requirements may vary, but most customers will need a valid photo ID, proof of income, proof of residence, and a down payment. Approval is based on your overall situation, not just your credit score.
How can Buy Here Pay Here financing help improve my credit?
Buy Here Pay Here financing can help you build or improve your credit by establishing a positive payment history. When you make your payments on time, those payments are reported and can contribute to strengthening your credit profile over time.
What should I do if I miss a payment?
If you miss a payment, it is important to contact Traditional Autos as soon as possible. Our team may be able to work with you on options such as a short grace period or adjusting your payment plan to help you get back on track.
What are the advantages of Buy Here Pay Here financing?
Buy Here Pay Here financing offers several advantages compared to traditional lenders. These include easier approval for customers with bad credit or no credit history, flexible in house financing options, and a convenient one stop experience where you can choose your vehicle and secure financing in the same place.
It also provides the opportunity to build your credit through on time payments, along with personalized support from a team that understands your unique financial situation.
Traditional Autos makes the car buying process simple and hassle-free with transparent pricing and flexible financing options. Whether you have excellent credit, are rebuilding, or buying for the first time, we make it easy to get approved and drive away in a vehicle you can rely on.
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Quality Vehicles
Every vehicle on our lot is quality-inspected and hand-selected to ensure long-term reliability and value. From fuel-efficient sedans and family SUVs to powerful trucks and vans, we carry a wide variety of makes and models to fit your needs. Our inventory is constantly updated, so you always have fresh options to choose from, all at fair prices and ready to drive today.
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Fast, Easy Financing
We make financing simple. Whether you have bad credit, no credit, or are just starting out, our in-house Buy Here Pay Here program gets you approved quickly, often the same day. No banks. No waiting. Just a clear, friendly process that helps you get back on the road with payments that work for your budget. Apply online or in person and drive away with confidence.
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Satisfied Customers
Our reputation is built on trust, transparency, and real results. Thousands of customers from Dallas and beyond have driven away happy, and many come back for their next vehicle. Don't just take our word for it. Read their stories and discover why Traditional Autos is the go-to dealer for people who want quality vehicles and financing that fits real life.
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