Texas-based · Family-operated · Buying sub-prime receivables since 1962
972.743.8406theautoloancompany@verizon.net
Texas BHPH dealer partner · Est. 1962

Compliance, coverage, the systems — and the capital behind them.

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.

Photo · Texas dealer lot at dusk
Built in Texas. For Texas dealers.
60+
Years in business
$0
Sign-up fees
1,200+
Dealers served
48h
Avg. turnaround
★ What we do

Four ways we keep your lot moving.

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.

01 · Licensing & Compliance

Texas OCCC consulting

New license, renewal, exam prep, or a panic call after an OCCC letter — we've walked hundreds of Texas dealers through it.

Learn more Texas only
02 · Coverage

Dealer garage insurance

Garage liability, open-lot, service work, dealer plates — packaged for Texas independent and BHPH dealers.

Learn more Independent & BHPH
03 · Systems

Frazer DMS & Dealer Car Search

The two systems most Texas BHPH lots actually run on, set up by someone who's used them.

Learn more Setup + training
04 · Funding

Bulk & payment stream purchases

Turn aging paper into working capital. We buy sub-prime receivables, payment streams, and full BHPH portfolios.

Learn more Our signature program
★ Let's talk

Same handshake. Sixty-four years running.