Row of SUVs and trucks parked at sunset, red SUV in the foreground, sun flaring off the chrome.
Buy Here · Pay Here

Buying a car shouldn't feel like an audition.

Kent's finances customers in-house. No bank in the middle. No credit score deciding if you're approved. We look at whether you've worked and lived locally for at least a year — and if you can carry full coverage insurance once you pick a vehicle.

Call 903-595-0600 See inventory
What you bring

A short list. The whole list.

We do not pull credit. We do not require a co-signer in most cases. We do not require a particular minimum income — we look at what you actually make and what payment fits.

  • Texas driver's license, state ID, or passport
  • Proof of local address (utility bill, lease, or similar)
  • Proof of income (pay stubs, bank statements, or tax returns)
  • Full coverage insurance once a vehicle is chosen
  • Credit or debit card for the down payment (cash also accepted)
Call to start See inventory
Red SUV gleaming under showroom lights.
Approval in person · 409 N. Glenwood
Row of vehicles parked under blue sky at Kent's Auto Sales lot.
Pick the one you want · drive home today
How it actually goes

An hour from hello to keys.

Most start-to-finish deals at Kent's take under an hour. Here's the path.

  1. Stop by 409 N. Glenwood Monday–Friday, 8:30 to 5:30 — or call 903-595-0600 and we'll set you up.
  2. Look at what's on the lot. Pick the vehicle you'd like to drive home.
  3. Sit down for about half an hour and walk through documents, income, and a payment that fits.
  4. Set up insurance on the vehicle (we'll wait while you call your agent).
  5. Sign the paperwork, hand over the down payment, drive home.
Payments start here

$180 biweekly

Real numbers depend on the vehicle and the down payment. Call us and we'll quote yours in two minutes.

Call 903-595-0600
Paying online

Make payments from your phone.

Once you're a customer, you can pay online through PayMaxx — our secure portal. Same biweekly schedule, same amount, paid in about a minute from your phone or laptop.

  • Credit and debit cards accepted
  • Pay anytime — the portal doesn't keep business hours
  • Linked from the top of every page on this site
  • Reminder texts before each payment is due (opt-in)
Pay online (PayMaxx)
Red sedan parked outside the dealership.
paymaxxpay.com/kentsautosales
Frequently Asked

Financing, answered straight.

If your question isn't here, call 903-595-0600 and we'll answer it directly.

903-595-0600
01 Do you pull credit?
No. Approval is based on verified income, Texas residency, and the ability to carry full coverage insurance — not your credit score. We do run a records search to verify the information provided on your application.
02 Do you do no-money-down deals?
A down payment is part of every financing agreement at Kent's. The exact amount depends on the vehicle. Call 903-595-0600 and we'll quote it.
03 Can I buy a car here if I'm self-employed?
Yes, as long as you can show steady income — bank statements, tax returns, or invoices all work.
04 Can I bring a co-signer?
Yes, but you don't have to. Most of our customers buy without one.
05 Do you sell with a warranty?
All vehicles are sold as is. We inspect every vehicle before listing and we'll tell you what we know about its condition. You're welcome to arrange a pre-purchase inspection by an outside mechanic.
Sold as is. All vehicles at Kent's Auto Sales are sold as is. The financing program described on this page covers the purchase of the vehicle; it does not include any extended warranty, mechanical service contract, or guarantee of future condition. Pre-purchase inspections by an outside mechanic are welcome.
Ready to see what you qualify for?

Call Kent's.

The fastest answer is a phone call. We answer between 8:30 and 5:30, Monday through Friday.

Call 903-595-0600 See inventory