Texas-based · Family-operated · Buying sub-prime receivables since 1962
972.743.8406theautoloancompany@verizon.net
★ Services

Four ways we help your lot thrive.

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.

Home / Services
★ What we do

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

Pick the piece you need — most dealers use all four. Same phone call, same people, same Texas handshake.

01

Texas OCCC licensing & compliance

The Office of Consumer Credit Commissioner regulates credit access companies in Texas. We've walked hundreds of dealers through licensing, renewal, exam prep, and panic calls after an OCCC letter.

  • New license applications
  • Renewal processing
  • Field exam preparation
  • Policy and procedure templates
  • Staff training on compliance
★ Texas only
Hundreds licensed

We know the OCCC examiners by name. We've been in the room when they've walked dealers through what they need.

Talk to a consultant
02

Dealer garage insurance

Garage liability, open-lot coverage, 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.

  • Garage liability
  • Open-lot physical damage
  • Dealer plate coverage
  • Service/garage operations
  • ASC warranty programs
★ Independent & BHPH
Quotes in a day

We work with carriers who know what a BHPH lot actually looks like — not a franchise store with free coffee.

Get a quote
03

Frazer DMS & Dealer Car Search

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.

  • Frazer DMS setup and training
  • Dealer Car Search website
  • Inventory photo workflows
  • Payment processing integration
  • Loan accounting configuration
★ Setup + training
Both talking

We don't just sell you software. We configure it, train your people, and make sure your inventory feeds to all the right places.

Get a demo
03b

GPS & warranty programs

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.

  • Crossbow GPS tracking
  • Economy GPS devices
  • ASC vehicle warranties
  • Installation coordination
  • Add-on revenue training
★ Add-on revenue
Pays for itself

These aren't costs — they're profit centers. We'll show you how to bundle them into every deal.

See programs
04

Bulk & payment stream purchases

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.

  • Payment stream purchases
  • Full portfolio buyouts
  • Same-day approvals
  • Maximum cash advance
  • No sign-up fees
  • Small lots welcome
★ Signature program
$340M+ funded

We've been buying paper since 1962. We know what sub-prime looks like — and we know how to price it right.

Submit a portfolio
★ Let's talk

Same handshake. Sixty-four years running.

972.743.8406 Or send a message