Estimate your payments

Please adjust the options below so we can estimate the most accurate monthly payments.

Your estimated credit score
Loan term
Down payment

We provide In-House Financing Options to Make your purchase Easy with Flexible and Affordable Terms!


Reflection Auto offers In-House Financing for almost everyone regardless of your Credit History.  We can even help you if you do not have a Social Security Number or Drivers License.  At Reflection Auto we are here to work with our customers regardless of their situation.  We are looking to make customers for life and want you to see yourself Driving the Vehicle of your Dreams!   

Get Pre-Approved for a Vehicle Loan


No matter your credit situation, our specialists can help tailor a finance package to fit your needs. As we are the ones providing the financing, and because there are no banks involved, we are able to provide financing for all credit levels. This is true even if you have no credit at all, because here at Reflection Auto, we understand that everyone has to start somewhere.


To get started, just complete our secure online credit application above. Our team of experts will do absolutely everything in their power to get you the financing that you need, making it even easier for you to purchase your next vehicle and to rebuild your credit along the way. We’re here to help.

Carrollton Texas In-House Financing | Preowned Car Dealer


Looking to finance that sporty little speedster you’ve been eyeing for the past few months? While there are a great many financing options available to you as a prospective car buyer, why not make the process as simple as possible? Eliminate the middleman and third-party  financer with in-house financing with Reflection Auto! Why choose to finance with us? Here’s the five biggest benefits of the in-house used car finance option.


Unmatched Personalized Service

In-house financing keeps all transactions between you and the dealer. This allows for a uniquely personal experience. In-house financing creates an ongoing relationship with your dealer that you can place your trust in.


Freedom from Credit Discrimination

With in-house financing, you and the Reflection Auto will work together to determine necessary financial arrangements. Even if you have bad credit, in-house financing allows you to decide upon a monthly payment plan you can afford.


Customer Service First

Choosing in-house financing ensures you select a car that is within your budget. You and Reflection Auto will establish which inventory you won’t have trouble making payments on.



Because you and Reflection Auto collaborate on every part of the decision-making process, the car-buying experience is much more flexible and accommodating. The dealer is free to consider a large number of financing possibilities because it does not have to deal with the bank.


Reporting to Credit Bureaus

Reflection Auto can report to all three reputable credit bureaus Equifax, Experian, and TransUnion. In-house financing is a negotiation backed by trust.

Free yourself from banks! In-house financing puts auto financing in your hands, on your terms. At Reflection Auto we want to see you drive off the lot in the car of your dreams! Come on in to our buy here pay here dealership today and discover the unbeatable benefits of our in-house financing!