Buy Here Pay Here Financing in Lubbock, TX
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In-House Approvals
We are the bank. No outside lenders means faster, more flexible approvals tailored to your situation.
No Credit Needed
Whether you have bad credit or none at all, our team works with you to create a payment plan that fits.
Build Credit Over Time
Make 30 on-time payments with us and you may qualify for a guaranteed trade-in—plus stronger credit.
Financing Made Simple
At Fiesta Motors, we handle all financing in-house. That means you deal directly with us—not a third-party bank or lender. This gives us the ability to work with people from all credit backgrounds and find flexible solutions that get you behind the wheel. Whether you’re rebuilding or starting from scratch, we’re here to help. Fill out an application and let’s make it happen.
It’s simple: you finance your car directly through us. We don’t rely on banks or outside lenders, which means we make our own approval decisions. This allows us to help more customers—including those with poor or no credit—get into reliable vehicles with payment plans they can afford.
We specialize in helping customers with bad credit, no credit, or limited credit history. We understand that life happens, and we’re more interested in your current situation and ability to make payments than your past credit score.
In most cases, yes—a down payment is required. However, the amount depends on your budget, the vehicle, and your unique situation. Our team will work with you to find a solution that gets you on the road.
Yes. We report your payments to credit bureaus, which can help improve your credit over time. Making consistent, on-time payments is one of the best ways to establish or rebuild your credit profile.
Many customers are approved the same day they apply. Our in-house financing team reviews applications quickly so you can shop for your next vehicle without unnecessary delays.
Absolutely. Our online application is secure, quick, and easy to complete. Once submitted, a team member will follow up with next steps to get you approved and driving.
You’ll typically need proof of income, proof of residence, a valid photo ID, and references. Our team will guide you through exactly what to bring based on your situation.
Don’t worry—we’ve helped many customers in the same situation. We focus on your current ability to pay, not just your financial past.
What Makes In-House Financing Better?
Traditional lenders often deny applicants based on strict credit requirements. At Fiesta Motors, we do things differently. As a Buy Here Pay Here dealership, we manage your entire financing process directly—no middlemen involved. This gives us the freedom to approve more customers and offer payment plans that fit real budgets.
Because we know our customers personally, we’re able to provide more flexible terms and faster turnaround times. Our goal is to help you succeed—not just sell you a car. And when you make 30 months of on-time payments, you may be eligible for a guaranteed trade-in, with Fiesta Motors paying off the remaining balance of your original loan. It’s just one of the ways we invest in your long-term success.
How it Works
Apply Online or In-Store
Complete our short application form in person or from the comfort of your home. It only takes a few minutes to get started.
Get Approved Fast
Our in-house team will review your application and contact you with financing options. Most customers are approved the same day.
Buy Your Car & Drive Happy
Once approved, choose from our wide selection of inspected vehicles. We’ll walk you through every step and get you on the road quickly.
Two Convenient Locations in Lubbock
Whether you’re near Tech Terrace or Clapp Park, Fiesta Motors is just minutes away.
Fiesta Motors – 50th Street
Buy Here Pay Here Car Lot in Lubbock, Texas
Fiesta Motors – Avenue J
Buy Here Pay Here Car Lot in Lubbock, Texas
