Financing Options

In-house Buy Here Pay Here financing for qualified customers, plus support for customers using their own bank or credit union.

Talk About My Financing Options

Our Goal isn't To Sell You a Car - It's to Help You Pay It Off

At What-A-Rental Car Sales, we offer in-house financing, also known as Buy Here Pay Here, for qualified customers.

We do not currently partner with outside banks, credit unions, or third-party lenders. All dealership financing offered by What-A-Rental Car Sales is handled directly in-house.

Customers are also welcome to arrange their own financing through their personal bank or credit union. If you choose to use your own lender, we can provide the documents they may need to review the vehicle and complete your loan process.

Please Note: We do not submit applications to third-party lenders or arrange outside lender financing. Customers may use their own bank or credit union independently.

Want to really understand how auto financing works, the differences between bank loans and BHPH, and what Texas law allows on interest rates? Read our Auto Financing Guide.

Using Your Own Bank & Credit Union

Customers may arrange financing directly through their own bank or credit union. We do not submit applications to lenders on your behalf.

  • ✔ You apply directly with your lender
  • ✔ You control your bank or credit union relationship
  • ✔ We provide supporting vehicle paperwork your lender requests
Learn About Bank & Credit Union Financing

This path is for customers using their own bank or credit union. If you need our in-house / Buy Here Pay Here program instead, see the option on the right.

In-House / Buy Here Pay Here (BHPH)

For local customers who may have limited or challenged credit. With BHPH, you finance directly with What-A-Rental TX LLC through What-A-Rental Car Sales on select vehicles and make your payments here at the dealership.

  • ✔ Local decision-making – we look at more than just a score
  • ✔ Fixed payments and clear terms on qualifying vehicles
  • ✔ Designed to help you get reliable transportation and pay it off

Note: This is our in-house program and is entirely separate from any bank or credit union financing you may qualify for.

Apply for In-House / BHPH Pre-Approval

Using Your Own Bank or Credit Union

If you plan to finance through your own bank or credit union, we can assist by providing:

  • Buyer’s Order or Purchase Agreement
  • Vehicle details and VIN information
  • Odometer disclosure
  • Title or ownership documentation, when applicable

In-House / Buy Here Pay Here (BHPH)

Our in-house financing program is designed for local customers who may have a harder time getting approved through a traditional lender. Instead of sending your application to a bank, you finance directly with What-A-Rental TX LLC through What-A-Rental Car Sales.

Who BHPH may be right for

  • You’ve had credit challenges in the past.
  • You’re rebuilding your credit and need reliable transportation.
  • You prefer working directly with a small, local dealership for payments and support.

Basic expectations

  • ✔ Down payment is required (varies by vehicle and approval).
  • ✔ Proof of stable income and residence.
  • ✔ Reside within a 30-mile radius of the dealership
  • ✔ Valid Texas driver’s license.
  • ✔ Full-coverage insurance listing What-A-Rental TX LLC as lienholder (on financed units).

Final approval, down payment amount, term length, and payment schedule are based on our underwriting guidelines and the specific vehicle you choose.

Start Your BHPH Pre-Approval

What to Bring With You

To speed things up when you’re ready to buy, bring as many of these items as you can:

For All Financing Options

  • ✔ Valid driver’s license
  • ✔ Proof of income (pay stubs, awards letters, or bank statements)
  • ✔ Proof of residence (utility bill, lease, etc.)
  • ✔ Insurance information (if you already have a policy)

If Using BHPH

  • ✔ References (personal or family) may be requested
  • ✔ Down payment in cash, cashier’s check, or approved form
  • ✔ Any trade-in title or payoff information (if applicable)

Get Started

Not sure which option is best for you? Send us a quick message and we’ll help you figure out the best path based on your budget and situation.

By submitting this form, you agree to receive calls and text messages from What-A-Rental Car Sales regarding your inquiry, vehicle availability, financing options, appointments, and related services. Consent is not a condition of purchase. Message and data rates may apply. Reply STOP to opt out. See our Privacy Notice and Terms of Use.

This form is for general financing questions and pre-qualification only. Final approval and terms require a full application and supporting documents.