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Business Details
9 Years
experience
Your Trusted Buy Here Pay Here Auto Dealer in Pampa
At Xtra Auto Center, we specialize in providing accessible vehicle financing solutions for customers with diverse credit backgrounds. Our Buy Here Pay Here model eliminates traditional bank requirements, allowing us to approve customers regardless of credit history. Every vehicle in our inventory undergoes rigorous inspection to ensure reliability, with a focus on quality that sets us apart from typical BHPH dealers.

Our team prioritizes customer satisfaction through transparent transactions and personalized service, offering a wide selection of pre-owned cars, trucks, SUVs, and vans. With over two decades of combined experience in the automotive industry, we've built a reputation for ethical practices and community-focused service in Pampa, Texas.
Services
Buy Here Pay Here Financing Used Car Sales Vehicle Inspection Test Drive Vehicle Locating Sell Your Auto Online Application Inventory Management Customer Support Employment Services
Details
  • Year established: 2017
Highlights and features
  • We offer Buy Here Pay Here financing with no credit checks required
  • Our vehicles undergo rigorous inspection for reliability assurance
  • We maintain a diverse inventory of 65+ pre-owned vehicles
  • Our team has over 20 years of combined automotive industry experience
  • We provide transparent pricing with no hidden fees
What people say
No credit check required Great selection available Helpful staff members Quality vehicles offered Positive buying experience
Update Listing
Services
Buy Here Pay Here Financing
Our Buy Here Pay Here program provides direct financing solutions for customers with bad credit. We handle approvals in-house without traditional bank requirements, offering flexible payment terms tailored to individual financial situations. This service includes comprehensive vehicle warranties and ongoing support throughout the ownership experience.
Used Car Sales
We offer a diverse selection of 65+ inspected pre-owned vehicles including cars, trucks, SUVs, and vans. Our inventory features late-model vehicles from brands like Chevrolet, Ford, and Toyota, all priced to accommodate various budgets while maintaining quality standards.
Vehicle Inspection
Every vehicle undergoes our rigorous multi-point inspection process before sale. This includes mechanical diagnostics, safety checks, and cosmetic evaluation to ensure reliability. Our inspection standards exceed typical BHPH dealer requirements, focusing on long-term vehicle performance.
Test Drive
We provide comprehensive test drive experiences to help customers assess vehicle suitability. Our staff guides customers through vehicle features and performance characteristics, ensuring informed purchasing decisions during the evaluation process.
Vehicle Locating
Our vehicle locating service helps customers find specific makes/models not currently in inventory. We leverage industry networks to source vehicles matching customer requirements, streamlining the acquisition process for unique automotive needs.
People
Jeff Stevens
Sales Associate
With over 15 years in automotive sales, Jeff specializes in helping customers with credit challenges. He focuses on transparent transactions and personalized vehicle solutions, building lasting relationships with Pampa residents.
Questions
What credit score is required for financing?
We don't require traditional credit checks. Our Buy Here Pay Here program approves customers regardless of credit history.
What types of vehicles are available?
We offer 65+ pre-owned vehicles including cars, trucks, SUVs, and vans from brands like Chevrolet, Ford, and Toyota.
How does the financing process work?
Our in-house financing requires no bank approval. Customers select a vehicle, complete our application, and receive immediate financing decisions with personalized payment plans.
Are warranties available?
Yes, we offer extended warranty options on qualifying vehicles through our financing program.
Can I sell my current vehicle to you?
We accept trade-ins and offer competitive valuations for vehicles in good condition.
What are your business hours?
We're open Monday-Friday 8am-6pm, Saturday 9am-6pm, and closed on Sundays.