Texas Auto Loans

Texas has always bragged about its size – bigger and better are the state watchwords – and its auto population falls right into line. There are over twenty million cars registered to people in Texas, more than in any state except California. If you’re looking to add that total, there are a number of local organizations with dealer listings. In the Dallas area, the local New Car Dealer’s Association provides information on auto dealers. The Houston Automobile Dealer’s Association also lists 180 dealers with contact information.

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Auto Lenders & Loan Types in Texas (TX)

For a loan to buy or lease a car in Texas, start looking here:

• Wachovia Bank provides loans for new and used cars, for auto loan refinancing and for auto lease buyouts.
  
• Wells Fargo offers loans for new cars, for used car purchases from dealers and private parties, for refinancing and for lease programs.
  
• Capital One offers loans for both new and used cars as well as for leases and refinance arrangements. They are open to working with people who have had credit problems.
  
• Banco Popular North America, the largest Hispanic owned bank in the country, offers loans for new cars, used cars and refinanced cars.
  
• Lending Tree will shop your online loan application until it has four offers from different lending institutions.

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Financing Car Loans in Texas (TX)

Let your good credit work for you by developing offers from multiple institutions, both online and in person through your auto dealership.

Refinancing an auto loan was not a common practice until recently. The explosion in leasing – about a third of all new cars that roll off the lot are now leased – has led to the acceptance of multiple financial deals being involved in keeping your car.

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You’ve got to deal with a lease buyout or trade at the end of the lease; why not consider looking for a better deal halfway through the length of your car loan? If it’s a five year loan, your credit rating may have improved over two year’s time. Perhaps interest rates have dropped; perhaps there are financial institutions offering great deals in order to generate new customers. It’s worth looking into, particularly since it’s so easy to do online.

Texas State Auto Loan Information

For questions on Texas auto lending rules and regulations, contact the appropriate state agency:

Texas State Finance Commission
2601 North Lamar Boulevard
Austin, Texas 78705-4294

Texas Department of Public Safety
5805 North Lamar Blvd.
Austin TX 78752

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