Let’s Talk Auto Financing

Do you need a used car? You don’t have to let financing keep your from purchasing a car in Cleburne. Bad credit? No Credit? No problem. Our goal at Tommy’s Used Cars is to see your drive home in the car you desire. At Tommy’s Used Cars, we patiently work with you to get you into a great used car with payments you can afford. We will take our time to explain details and make sure you get the best deal possible. It’s part of our job, but we also enjoy helping to turn dreams into reality. Drive off our lot today with a quality used vehicle at a price you can afford.

We accept All income types such as Social Security, retirement, pension, child support, alimony, full time and part time workers, self employment, 1099, and also UNEMPLOYMENT incomes. No one will be turned away as long as you have saved up a down payment and you have proof of your income and residence.

What If I have Bad Credit?

So you have been turned down by other dealership because of your credit…what now? Our buy here pay here dealership in Cleburne helps every day with bad credit. At Tommy’s Used Cars in Cleburne, your job is your credit. We know good people sometimes have credit problems. Divorce, loss of a job, a medical problem — things can get out of control fast, and we understand that. Were more interested in your future than your past.

What Do You Mean By “Your Job Is Your Credit”?

People come in all the time worried about their credit. If you’re out there working hard every day — doing your best to support yourself and your family — that IS your credit with us. We finance your future not your past.

What Do I Need To Bring With Me To Get Approved?

Once you’ve submitted all of the necessary information to us, we can have you driving off with a car within 30 minutes! We are a no credit check used car lot that will simplify things for you and get you reliable transportation with a no hassle guarantee.

That’s it. We make it that simple!

Do I Need Full Coverage Insurance?

No, if full coverage insurance is too expensive for you Tommy’s Used Cars offers Collateral Protection Insurance (CPI). You can add this to your monthly car payment for $50 to $75 a month as long as your have proof of liability coverage. CPI covers the vehicle (insurance companies call it “collateral”) in the event of an accident. CPI protects your investment. CPI covers damage to a financed vehicle only not to a vehicle that isn’t financed. If the vehicle is repairable, CPI will cover all repairs with only a $250 deductible. CPI is NOT liability coverage. You are still responsible for carrying this on your own policy.

Do Your Cars Have A Warranty?

One service we offer to you as our customer is our exclusive Worry Free, 6 month/6,000 mile, limited warranty. It’s included with every vehicle we sell — from our least expensive to our most expensive.

Other Available Options

Service Contract

Available for 24 months or 24,000 miles. This is great to have for your car since it’ll cover many of the costs should you need to get your car repaired. A service contract covers parts, labor, and sales tax.

Debt Cancellation Insurance

In the event of an accident, this insurance will supplement the difference between what the insurance company pays, and what is owed. If an unfortunate accident occurs, you won’t be responsible for any of the unpaid balance.

Refer a Friend and get $100!

Refer a friend, family member, co-worker, or anyone to purchase a vehicle, and earn $100 credit to your payment. THERE IS NO LIMIT TO HOW MANY REFERRALS YOU CAN EARN. The sky is the limit. Refer enough friends, you’ll never have to make a payment again!