We help Texas Buy Here / Pay Here dealers stay on the right side of the OCCC, get the right coverage, run the right software, and turn paper into capital when they need it. One phone call, four ways we help.
We're not a national bank with a Texas zip code. We're the people who pick up the phone, drive out to your lot, and know the OCCC by first name. Pick the piece you need — most dealers use all four.
New license, renewal, exam prep, or a panic call after an OCCC letter — we've walked hundreds of Texas dealers through it. Paperwork, policies, training, and follow-up done right.
Garage liability, open-lot, service work, dealer plates — packaged for Texas independent and BHPH dealers. Quotes in a day, not a week, from carriers that actually understand the lot business.
The two systems most Texas BHPH lots actually run on, set up by someone who's used them. Inventory, loan accounting, payments, website, photos and inventory feeds — talking to each other.
Crossbow Group and Economy GPS for collateral protection. ASC warranties to add gross to every deal. We resell, configure, and support the stuff that pays for itself.
Turn aging paper into working capital. We buy sub-prime receivables, payment streams, and full BHPH portfolios — small lots welcome. Same-day approvals on most files, maximum cash advance, no sign-up fees.
We're licensed and lived-in here. We know the difference between an OCCC field examiner's checklist and a real-world lot, because we've been the ones standing in both. Our dealers run small lots in small towns and 300-car operations in Houston.
If you sell a car east of El Paso, we probably already know your block.
Every relationship starts with a real phone call. From there, expect plain answers, fast decisions, and a person — not a portal — on the other end.
A 15-minute call. Licensing, coverage, software, funding — we listen first.
Portfolio tape, license docs, or just a screenshot of your current setup. Email or fax, your call.
Same-day approvals on most funding files. Clear quotes on everything else — no "let me check with corporate."
Funds wired, license filed, or your DMS configured. You get back to selling cars.
The Auto Loan Company has been buying sub-prime receivables in Texas since 1962. Same family. Same handshake. We've added a few decades of OCCC consulting, dealer software, garage insurance and GPS programs because our dealers asked us to — not because we wanted a bigger website.
A handful of the dealers we've funded, licensed, insured, or stood up software for over the years. Real names go here once you give us the green light.
"Funded 80 contracts before lunch. I've never had a bank call me back same day, let alone wire same day."
"Chip walked me through my OCCC renewal three times. Three. And never sent a bill for the calls."
"Frazer setup, Dealer Car Search, GPS, and insurance — all from one Texas number. Saved me 14 vendor calls a month."
No phone tree, no "submit a ticket" — you'll get Chip or someone who works five feet from him.
If it's funding-related, call. If it's everything else, the form below lands in the same inbox and gets a reply by close of business.