Can I Really Buy a Car with Bad Credit? Here’s the Truth

Let’s be honest — buying a car with bad credit, or as a first-time buyer, can feel impossible. Most people don’t want to talk about it. Banks say no. Dealers treat you like you don’t belong — or they keep you there all day just to tell you that you need more money or another co-signer.
Sound familiar?

At 3B Auto Sales, we built our business around people who’ve been told “no” too many times. And yes — you can buy a car, even with bad credit, no credit, or past repos.

What “Buy Here Pay Here” Really Means

When you buy from a Buy Here Pay Here dealership like 3B Auto Sales, we’re the bank. That means:

• No outside lenders

• Faster approval

• You deal directly with us

It’s simple — and designed to help real people get back on the road, not get judged for their past.

What You’ll Need to Bring

• Valid driver’s license or Texas ID

• Proof of income (pay stub, SSI, bank statement — even cash income is okay)

• Proof of residence (utility bill or lease)

• Down payment (as low as $1,000 on select vehicles)

How Approval Really Works

We focus on your current ability to pay — not your credit score. If you have steady income and a down payment, we’ll work hard to get you approved fast.

Bottom Line

Bad credit doesn’t stop you from buying a car — especially not at 3B Auto Sales. We’re here to help you move forward, not hold you back.

Ready to Get Started?

Call us at (346) 320-2020 or apply online now — and mention Drive Better – with 3B.

Let’s get you driving again.