Texas dealers must be licensed with the Office of Consumer Credit Commissioner (OCCC) to offer in-house financing.

A long-standing dealership on Alameda Ave with high user ratings (4.5/5) and bi-weekly payment options. RightDrive

Most El Paso BHPH lots, such as S&S Motors and Gael Auto Sales , use your job and a down payment as your credit rather than a traditional credit score.

Known for a fast approval process and a "no-pushy" sales approach. S&S Motors Used car dealer Closed7699 Alameda Ave

It is legal and common for BHPH dealers in Texas to install GPS trackers or starter-interruption devices to facilitate repossession if payments are missed.