Frequently Asked Questions
Whether you’re new to Buy Here Pay Here dealerships or just have questions about how we operate, we’re here to make things clear. We’ve grouped the most common questions we get from customers across Texas — and answered them in plain, helpful language. If you don’t see your question here, feel free to reach out to any of our locations. We’re happy to help!
Financing & Credit
How does Buy Here Pay Here financing work at Drive Casa ?
Buy Here Pay Here (BHPH) financing means you finance your vehicle directly through us — no banks or outside lenders involved. This gives us the flexibility to approve customers with no credit, bad credit, or limited income documentation. You’ll make your payments directly to Drive Casa, and because we report to the major credit bureaus, on-time payments may help improve your credit over time.
Can I get approved if I have bad credit or no credit at all?
Yes. We specialize in working with customers who’ve been turned down elsewhere. Whether you’ve gone through bankruptcy, repossession, or are just starting out, our in-house financing gives you a second chance at vehicle ownership.
What documents do I need to apply for financing?
To speed up the approval process, bring your driver’s license or ID, proof of income (like pay stubs or bank statements), proof of residence (like a utility bill), and references. If you’re self-employed, we may ask for additional documentation like tax returns or profit/loss statements.
Will financing through Drive Casa help build my credit?
It can. We report your payment history to the credit bureaus, so making consistent, on-time payments may help improve your credit over time. While results vary by individual, many of our customers have seen positive changes by staying current on their payments.
Trade-Ins
Can I trade in my current vehicle, even if I still owe money on it?
Yes. We accept trade-ins even if your vehicle still has a loan balance. We’ll evaluate your vehicle and determine its current value. If there’s any remaining balance after your trade-in value is applied, we’ll help roll it into your next financing plan.
How is my trade-in value determined?
Trade-in values depend on several factors like mileage, age, condition, accident history, demand for your model, and even seasonal market trends. The best way to get an accurate offer is to schedule a free in-person appraisal with our team.
What documents should I bring to trade in my car?
Bring your vehicle title (if it’s paid off), current registration, valid ID, and any service records you have. If you still owe money, bring loan payoff details. The more information you bring, the easier and faster the process will be.
Payments & Account Info
How can I make a payment on my account?
You can make a payment online using PayNearMe. We no longer accept cash payments at our dealership locations, but you can pay with cash at participating retailers like CVS, ACE Cash Express, or 7-Eleven using PayNearMe. You can also pay with your bank account or debit card online.
Can I pay in person at the dealership?
No, we no longer accept in-person cash payments at our dealership locations. However, you can pay with cash at hundreds of PayNearMe partner retailers. Online payments are still accepted 24/7 via our secure payment portal.
Who can I contact if I have questions about my payment or account?
For payment-related questions, please call our payment support team at (214) 301-3192 . They’ll help you with billing, due dates, portal access, and more.
Credit improvement is not guaranteed. Results may vary based on individual credit history and payment behavior.