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Texas (/ˈtɛksəs/, locally /ˈtɛksɪz/; Spanish: Texas or Tejas [ˈtexas]) is the second largest state in the United States by both area and population. Geographically located in the South Central region of the country, Texas shares borders with the U.S. states of Louisiana to the east, Arkansas to the northeast, Oklahoma to the north, New Mexico to the west, and the Mexican states of Chihuahua, Coahuila, Nuevo León, and Tamaulipas to the southwest, while the Gulf of Mexico is to the southeast.


Texas is the second-largest U.S. state, after Alaska, with an area of 268,820 square miles (696,200 km). Though 10% larger than France and almost twice as large as Germany or Japan, it ranks only 27th worldwide amongst country subdivisions by size. If it were an independent country, Texas would be the 40th largest behind Chile and Zambia.

Texas is in the south central part of the United States of America. Three of its borders are defined by rivers. The Rio Grande forms a natural border with the Mexican states of Chihuahua, Coahuila, Nuevo León, and Tamaulipas to the south. The Red River forms a natural border with Oklahoma and Arkansas to the north. The Sabine River forms a natural border with Louisiana to the east. The Texas Panhandle has an eastern border with Oklahoma at 100° W, a northern border with Oklahoma at 36°30′ N and a western border with New Mexico at 103° W. El Paso lies on the state’s western tip at 32° N and the Rio Grande.

With 10 climatic regions, 14 soil regions and 11 distinct ecological regions, regional classification becomes problematic with differences in soils, topography, geology, rainfall, and plant and animal communities. One classification system divides Texas, in order from southeast to west, into the following: Gulf Coastal Plains, Interior Lowlands, Great Plains, and Basin and Range Province.

The Gulf Coastal Plains region wraps around the Gulf of Mexico on the southeast section of the state. Vegetation in this region consists of thick piney woods. The Interior Lowlands region consists of gently rolling to hilly forested land and is part of a larger pine-hardwood forest.

The Great Plains region in central Texas is in spans through the state’s panhandle and Llano Estacado to the state’s hill country near Austin. This region is dominated by prairie and steppe. “Far West Texas” or the “Trans-Pecos” region is the state’s Basin and Range Province. The most varied of the regions, this area includes Sand Hills, the Stockton Plateau, desert valleys, wooded mountain slopes and desert grasslands.

Texas has 3,700 named streams and 15 major rivers, with the Rio Grande as the largest. Other major rivers include the Pecos, the Brazos, Colorado, and Red River. While Texas has few natural lakes, Texans have built over 100 artificial reservoirs.

The size and unique history of Texas make its regional affiliation debatable; it can be fairly considered a Southern or a Southwestern state, or both. The vast geographic, economic, and cultural diversity within the state itself prohibits easy categorization of the whole state into a recognized region of the United States. Notable extremes range from East Texas which is often considered an extension of the Deep South, to Far West Texas which is generally acknowledged to be part of the interior Southwest.


The United States Census Bureau estimates the population of Texas was 28,701,845 on July 1, 2018, a 14.14 percent increase since the 2010 United States Census.

As of 2004, the state had 3.5 million foreign-born residents (15.6 percent of the state population), of which an estimated 1.2 million are illegal immigrants. Texas from 2000 to 2006 had the fastest growing illegal immigration rate in the nation. In 2010, illegal immigrants constituted an estimated 6.0 percent of the population. This was the fifth highest percentage of any state in the country. In 2015, the population of illegal immigrants living in Texas was around 800,000.

Texas’s Rio Grande Valley has seen significant migration from across the U.S.–Mexico border. During the 2014 crisis, many Central Americans, including unaccompanied minors traveling alone from Guatemala, Honduras, and El Salvador, reached the state, overwhelming Border Patrol resources for a time. Many sought asylum in the United States.

In 2009, the U.S. Department of Homeland Security estimated 1.68 million illegal immigrants lived in Texas. While the number of illegal immigrants living in the U.S. has declined since 2009, in Texas there was no change in population between 2009 and 2014.

Texas’s population density is 90.5 people per square mile (34.9/km) which is slightly higher than the average population density of the U.S. as a whole, at 80.6 people per square mile (31.1/km). In contrast, while Texas and France are similarly sized geographically, the European country has a population density of 301.8 people per square mile (116.5/km).

Two-thirds of all Texans live in a major metropolitan area such as Houston. The Dallas-Fort Worth Metropolitan Area is the largest in Texas. While Houston is the largest city in Texas and the fourth largest city in the United States, the Dallas-Fort Worth metropolitan area is larger than Houston.

As of the 2015 Texas Population Estimate Program, the population of the state was 27,469,114; non-Hispanic whites 11,505,371 (41.9%); Black Americans 3,171,043 (11.5%); other races 1,793,580 (6.5%); and Hispanics and Latinos (of any race) 10,999,120 (40.0%).

According to the 2010 United States census, the racial composition of Texas was the following:

In addition, 37.6 percent of the population are Hispanic or Latino (of any race) (31.6 percent Mexican, 0.9 percent Salvadoran, 0.5 percent Puerto Rican, 0.4 percent Honduran, 0.3 percent Guatemalan 0.3 percent Spaniard, 0.2 percent Colombian, 0.2 percent Cuban)

As of 2011, 69.8% of the population of Texas younger than age 1 were minorities (meaning they had at least one parent who was not non-Hispanic white).

German, Irish, and English Americans are the three largest European ancestry groups in Texas. German Americans make up 11.3 percent of the population, and number over 2.7 million members. Irish Americans make up 8.2 percent of the population, and number over 1.9 million members. There are roughly 600,000 French Americans and 472,000 Italian Americans residing in Texas; these two ethnic groups make up 2.5 percent and 2.0 percent of the population respectively. In the 1980 United States Census the largest ancestry group reported in Texas was English with 3,083,323 Texans citing they were of English or mostly English ancestry making them 27 percent of the state at the time. Their ancestry primarily goes back to the original thirteen colonies (the census of 1790 gives 48% of the population of English ancestry; together 12% Scots and Scots-Irish; 4.5% Irish South 90% were Protestant and 3% Welsh = 67.5% British; 13% were German, Swiss, Dutch and French Huguenots; 19% African-American, Colin Bonwick, The American Revolution, 1991, p. 254) and thus many of them today identify as “American” in ancestry, though they are of predominantly British stock. There are nearly 200,000 Czech-Americans living in Texas, the largest number of any state.

African Americans are the largest racial minority in Texas. Their proportion of population has declined since the early 20th century, after many left the state in the Great Migration. Blacks of both Hispanic and non-Hispanic origin make up 11.5 percent of the population; blacks of non-Hispanic origin form 11.3 percent of the populace. African Americans of both Hispanic and non-Hispanic origin number at roughly 2.7 million individuals.

Native Americans are a smaller minority in the state. Native Americans make up 0.5 percent of Texas’s population, and number over 118,000 individuals. Native Americans of non-Hispanic origin make up 0.3 percent of the population, and number over 75,000 individuals. Cherokee made up 0.1 percent of the population, and numbered over 19,400 members. In contrast, only 583 identified as Chippewa.

Asian Americans are a sizable minority group in Texas. Americans of Asian descent form 3.8 percent of the population, with those of non-Hispanic descent making up 3.7 percent of the populace. They total more than 808,000 individuals. Non-Hispanic Asians number over 795,000. Just over 200,000 Indian Americans make Texas their home. Texas is also home to over 187,000 Vietnamese and 136,000 Chinese. In addition to 92,000 Filipinos and 62,000 Koreans, there are 18,000 Japanese Americans living in the state. Lastly, over 111,000 people are of other Asian ancestry groups, such as Cambodian, Thai, and Hmong. Sugar Land, a city within the Houston metropolitan area, and Plano, within the Dallas metropolitan area, both have high concentrations of ethnic Chinese and Korean residents. The Houston and Dallas areas, and to a lesser extent, the Austin metropolitan area, all contain substantial Vietnamese communities.

Americans with origins from the Pacific are the smallest minority in Texas. According to the survey, only 18,000 Texans are Pacific Islanders; 16,400 are of non-Hispanic descent. There are roughly 5,400 Native Hawaiians, 5,300 Guamanians, and 6,400 people from other groups. Samoan Americans were scant; only 2,920 people were from this group. The city of Euless, a suburb of Fort Worth, contains a sizable population of Tongan Americans, at nearly 900 people, over one percent of the city’s population. Killeen has a sufficient population of Samoans and Guamanian, and people of Pacific Islander descent surpass one percent of the city’s population.

Multiracial individuals are also a visible minority in Texas. People identifying as multiracial form 1.9 percent of the population, and number over 448,000 people. Almost 80,000 Texans claim African and European heritage, and make up 0.3 percent of the population. People of European and American Indian ancestry number over 108,800 (close to the number of Native Americans), and make up 0.5 percent of the population. People of European and Asian ancestry number over 57,600, and form just 0.2 percent of the population. People of African and Native American ancestry were even smaller in number (15,300), and make up just 0.1 percent of the total population.

Hispanics and Latinos are the second-largest group in Texas after non-Hispanic European Americans. Over 8.5 million people claim Hispanic or Latino ethnicity. This group forms over 37 percent of Texas’s population. People of Mexican descent alone number over 7.9 million, and make up 31.6 percent of the population. The vast majority of the Hispanic/Latino population in the state is of Mexican descent, the next two largest groups are Salvadorans and Puerto Ricans. There are over 222,000 Salvadorans and over 130,000 Puerto Ricans in Texas. Other groups with large numbers in Texas include Hondurans, Guatemalans, Nicaraguans and Cubans, among others. The Hispanics in Texas are more likely than in some other states (such as California) to identify as white; according to the 2010 U.S. Census, Texas is home to 6,304,207 White Hispanics and 2,594,206 Hispanics of “some other race” (usually mestizo).

German descendants inhabit much of central and southeast-central Texas. Over one-third of Texas residents are of Hispanic origin; while many have recently arrived, some Tejanos have ancestors with multi-generational ties to 18th century Texas. In addition to the descendants of the state’s former slave population, many African American college graduates have come to the state for work recently in the New Great Migration. Recently, the Asian population in Texas has grown—primarily in Houston and Dallas. Other communities with a significantly growing Asian American population is in Austin, Corpus Christi, San Antonio, and the Sharyland area next McAllen, Texas. Three federally recognized Native American tribes reside in Texas: the Alabama-Coushatta Tribe, the Kickapoo Traditional Tribe, and the Ysleta del Sur Pueblo.

In 2010, 49 percent of all births were Hispanics; 35 percent were non-Hispanic whites; 11.5 percent were non-Hispanic blacks, and 4.3 percent were Asians/Pacific Islanders. Based on Census Bureau data released on February 2011, for the first time in recent history, Texas’s white population is below 50 percent (45 percent) and Hispanics grew to 38 percent. Between 2000 and 2010, the total population growth by 20.6 percent, but Hispanics growth by 65 percent, whereas non-Hispanic whites only grew by 4.2 percent. Texas has the fifth highest rate of teenage births in the nation and a plurality of these are to Hispanics.

The state has three cities with populations exceeding one million: Houston, San Antonio, and Dallas. These three rank among the 10 most populous cities of the United States. As of 2010, six Texas cities had populations greater than 600,000 people. Austin, Fort Worth, and El Paso are among the 20 largest U.S. cities. Texas has four metropolitan areas with populations greater than a million: Dallas–Fort Worth–Arlington, Houston–Sugar Land–Baytown, San Antonio–New Braunfels, and Austin–Round Rock–San Marcos. The Dallas–Fort Worth and Houston metropolitan areas number about 6.3 million and 5.7 million residents, respectively.

Three interstate highways—I-35 to the west (Dallas–Fort Worth to San Antonio, with Austin in between), I-45 to the east (Dallas to Houston), and I-10 to the south (San Antonio to Houston) define the Texas Urban Triangle region. The region of 60,000 square miles (160,000 km) contains most of the state’s largest cities and metropolitan areas as well as 17 million people, nearly 75 percent of Texas’s total population. Houston and Dallas have been recognized as beta world cities. These cities are spread out amongst the state. Texas has 254 counties, which is more than any other state by 95 (Georgia).

In contrast to the cities, unincorporated rural settlements known as colonias often lack basic infrastructure and are marked by poverty. The office of the Texas Attorney General stated, in 2011, that Texas had about 2,294 colonias and estimates about 500,000 lived in the colonias. Hidalgo County, as of 2011, has the largest number of colonias. Texas has the largest number of people of all states, living in colonias.

The most common accent or dialect spoken by natives throughout Texas is sometimes referred to as Texan English, which itself is a sub-variety of a broader category of American English known as Southern American English. Creole language is spoken in East Texas. In some areas of the state—particularly in the large cities – Western American English and General American English, have been on the increase. Chicano English—due to a growing Hispanic population—is widespread in South Texas, while African-American English is especially notable in historically minority areas of urban Texas.

As of 2010, 65.8% (14,740,304) of Texas residents age 5 and older spoke only English at home, while 29.2% (6,543,702) spoke Spanish, 0.75 percent (168,886) Vietnamese, and Chinese (which includes Cantonese and Mandarin) was spoken by 0.56% (122,921) of the population over the age of five.

Other languages spoken include German (including Texas German) by 0.33% (73,137,) Tagalog with 0.29% (73,137) speakers, and French (including Cajun French) was spoken by 0.25% (55,773) of Texans. Reportedly, Cherokee is the most widely spoken Native American language in Texas.

In total, 34.2% (7,660,406) of Texas’s population aged five and older spoke a language at home other than English.

The largest denominations by number of adherents in 2010 were the Roman Catholic Church (4,673,500); the Southern Baptist Convention (3,721,318); the United Methodist Church with (1,035,168); and Islam (421,972).

Known as the buckle of the Bible Belt, East Texas is socially conservative. The Dallas–Fort Worth metroplex is home to three major evangelical seminaries and a host of Bible schools. Lakewood Church in Houston, boasts the largest attendance in the nation averaging more than 43,000 weekly.

Adherents of many other religions reside predominantly in the urban centers of Texas. In 1990, the Islamic population was about 140,000 with more recent figures putting the current number of Muslims between 350,000 and 400,000. The Jewish population is around 128,000. Around 146,000 adherents of religions such as Hinduism and Sikhism live in Texas. It is the fifth-largest Muslim-populated state in the country.


Texas neighborhoods include: Abbott, Abernathy, Abilene, Addison, Adkins, Alamo, Alamo Heights, Alba, Aledo, Alice, Allen, Alleyton, Alpine, Alto, Alton, Alvarado, Alvin, Alvord, Amarillo, Amherst, Anahuac, Anderson, Andrews, Angleton, Anna, Anthony, Anton, Aquilla, Aransas Pass, Argyle, Arlington, Armstrong, Arp, Art, Arthur City, Asherton, Atascosa, Athens, Aubrey, Aurora, Austin, Austwell, Axtell, Azle, Bacliff, Balch Springs, Bandera, Bangs, Barksdale, Bartlett, Bartonville, Bastrop, Batson, Bay City, Bayside, Baytown, Beach City, Beasley, Beaumont, Beckville, Bedford, Bedias, Bee Cave, Beeville, Bellaire, Bellevue, Bells, Bellville, Belton, Benbrook, Ben Franklin, Ben Wheeler, Bergheim, Bertram, Big Sandy, Big Wells, Bishop, Blanco, Blanket, Bleiblerville, Blessing, Bloomington, Blossom, Blue Mound, Blue Ridge, Bluff Dale, Bluffton, Blum, Boerne, Bogata, Boling, Bonham, Bon Wier, Booker, Bowie, Boyd, Brackettville, Brashear, Brazoria, Bremond, Brenham, Bridge City, Bridgeport, Briggs, Brock, Bronson, Brookeland, Brookesmith, Brookshire, Brookston, Brownfield, Brownsboro, Brownsville, Brownwood, Bruceville, Bruni, Bryan, Bryson, Buchanan Dam, Buckholts, Buda, Buffalo, Buffalo Gap, Bullard, Bulverde, Buna, Burkburnett, Burke, Burkeville, Burleson, Burlington, Burnet, Burton, Byers, Bynum, Caddo Mills, Caldwell, Call, Calliham, Callisburg, Calvert, Cameron, Campbell, Campbellton, Canton, Canutillo, Canyon, Canyon Lake, Carlsbad, Carlton, Carmine, Carrizo Springs, Carrollton, Carthage, Castell, Castroville, Cat Spring, Cedar Creek, Cedar Hill, Cedar Park, Celeste, Celina, Center Point, Chandler, Channelview, Chappell Hill, Charlotte, Cherokee, Chester, Chico, Chilton, China Spring, Christoval, Cibolo, Cleburne, Cleveland, Clint, Clute, Clyde, Coldspring, Coleman, College Station, Colleyville, Collinsville, Colmesneil, Columbus, Comanche, Combine, Comfort, Commerce, Como, Comstock, Concan, Concepcion, Conroe, Converse, Cookville, Coolidge, Cooper, Coppell, 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Dallas, Lakehills, Lake Jackson, Lakeside, Lakeway, Lake Worth, La Marque, Lampasas, Lancaster, Laneville, Lantana, La Porte, Laredo, Larue, La Vernia, Lavon, Lawn, League City, Leander, Ledbetter, Leesburg, Leonard, Levelland, Lewisville, Lexington, Liberty, Liberty Hill, Lincoln, Lindale, Lindsay, Linn, Lipan, Little Elm, Littlefield, Little River Academy, Live Oak, Liverpool, Livingston, Llano, Lockhart, Lockney, Lolita, Lometa, Lone Oak, Long Branch, Longview, Loop, Loraine, Lorena, Los Fresnos, Louise, Lovelady, Lubbock, Lufkin, Luling, Lumberton, Lyford, Lytle, Mabank, Madisonville, Magnolia, Malakoff, Malone, Manchaca, Manor, Mansfield, Manvel, Marathon, Marble Falls, Marion, Markham, Marshall, Mart, Martindale, Mason, Masterson, Matagorda, Mathis, Maxwell, May, Maypearl, McAllen, McCoy, Mc Dade, Mc Gregor, McKinney, Mc Queeney, Meadow, Meadowlakes, Medina, Melissa, Mercedes, Mereta, Merit, Merkel, Mertens, Mesquite, Mico, Midfield, Midland, Midlothian, Midway, Milam, Milano, 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For more information, see Texas wiki

Vehicle Loans Coverage Area For Texas

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Locations Served

Abilene, Addison, Aldine, Alice, Allen, Alvin, Amarillo, Angleton, Arlington, Atascocita, Austin, Balch Springs, Bastrop, Bay City, Baytown, Beaumont, Bedford, Bellaire, Belton, Boerne, Bonham, Brenham, Brownsville, Brownwood, Bryan, Buda, Burleson, Canyon, Canyon Lake, Carrollton, Cedar Hill, Cedar Park, Channelview, Cibolo, Cleburne, Cloverleaf, College Station, Colleyville, Commerce, Conroe, Converse, Coppell, Copperas Cove, Corpus Christi, Corsicana, Crowley, Cypress, Dallas, Dayton, Deer Park, Del Rio, Denison, Denton, Desoto, Dickinson, Donna, Duncanville, Eagle Pass, Edinburg, El Paso, Elmendorf, Ennis, Euless, Farmers Branch, Flower Mound, Forney, Fort Hood, Fort Worth, Fredericksburg, Fresno, Friendswood, Frisco, Gainesville, Galena Park, Galveston, Garland, Georgetown, Glenn Heights, Grand Prairie, Grapevine, Greenville, Groves, Haltom City, Hamlin, Harker Heights, Harlingen, Highland Park, Hondo, Houston, Humble, Huntsville, Hurst, Hutto, Ingleside, Irving, Jacinto City, Katy, Keller, Kerrville, Killeen, Kingsville, Kirby, Kyle, La Grange, La Marque, La Porte, Lackland Air Force Base, Lake Jackson, Lancaster, Laredo, League City, Leander, Leon Valley, Lewisville, Liberty, Little Elm, Live Oak, Lockhart, Longview, Lubbock, Lufkin, Mansfield, Marshall, Mcallen, Mckinney, Mercedes, Mesquite, Midland, Midlothian, Mission, Mission Bend, Missouri City, Mount Pleasant, Nacogdoches, Nederland, New Braunfels, North Richland Hills, Odessa, Orange, Palestine, Pampa, Paris, Pasadena, Pearland, Pecan Grove, Pflugerville, Pharr, Plainview, Plano, Pleasanton, Port Arthur, Portland, Prosper, Randolph Air Force Base, Richardson, Richmond, Rockwall, Rosenberg, Round Rock, Rowlett, Sachse, San Angelo, San Antonio, San Benito, San Juan, San Marcos, Schertz, Seabrook, Seagoville, Seguin, Sherman, South Houston, Southlake, Spring, Stafford, Stephenville, Sugar Land, Sulphur Springs, Sweetwater, Taylor, Temple, Terrell, Texarkana, Texas City, The Colony, The Woodlands, Tomball, Tyler, Universal City, University Park, Uvalde, Victoria, Waco, Waxahachie, Weatherford, Weslaco, West University Place, Whitewright, Wichita Falls, Wylie

Vehicle Loan Steps

Auto Loan in Texas

1 - Budget For Your Purchase

The first step in obtaining auto financing is to figure out how much you can afford to spend.

If you have a vehicle to trade-in, you should determine its value so that you can factor that into your budget. A good resource for determining your cars market value is Kelley Blue Book.

Next, you'll want to consider how much money you have to use for a down payment. The more money you put down, the lower your monthly payment will be. If you need an auto loan with no down payment, don't worry. We can still help you.

Finally, use our auto finance calculator to estimate your monthly payment.

2 - Choose Whether You Want a New or Used Car

If you've chosen to buy a new car, you will most likely be purchasing the vehicle from a car dealership. In order to get the best deal on new car financing, you should research the base price, the cost of optional features and the average dealer fees in your area. To get the best deal possible, work with AllCreditCarLoans to get a pre-approved car loan so that you can negotiate like a cash buyer.

If you are looking to get the most value for your dollar, you will likely be better off financing a used car. That's because the prior owners have already absorbed the biggest portion of the vehicle's depreciation and you may have the option to buy directly from a private seller, thus saving dealer fees. AllCreditCarLoans can help you with an auto loan to buy from a private seller.

3 - Apply For Your Auto Loan

Click the button below and fill out our quick and easy application form to get started right away!

What You Should Know About The Best Auto Financing in Texas

No matter what your credit situation is, AllCreditCarLoans will help you to find the best auto loans that are suited to your needs and budget.

Credit Repair in Texas

We specialize in:

  • Good Credit Car Loans
  • Fair Credit Car Loans
  • Bad Credit Auto Financing
  • Poor Credit Car Finance
  • Horrible Credit Car Financing
  • and Car Loans With No Credit History

We can help with an auto loan for a first-time buyer, car loans for college students and we are proud to have arranged military car loans for service members and their spouses. We've even been able to help foreign nationals and others who do not qualify for a social security number to buy a car with their ITIN number.

We also specialize in sub-prime auto loans including after bankruptcy car loans and helping borrowers to obtain an auto loan with repossessions.

If you are looking for a auto title loan or car loan refinancing, we have programs that can help you as well.

AllCreditCarLoans works with the best buy here pay here carlots, used car dealership for bad credit, 2nd chance auto financing and other used car finance lenders to provide the best auto loan rates.

You are never alone in this process. Our reliable lender partners will guide you every step of the way -- from the time you begin processing your application, all the way to the day when you drive home your new car. Click the Apply Now button below to let us get started helping you today!

Did You Know That Refinancing an Auto Loan Can Save You Money?

With the state of our world's economy, making monthly payments is getting harder and harder, especially in Texas. United States job loss totals are higher than they have been in over thirty years. Refinance Car Loan Americans are finding it tougher than ever to find steady employment. As a result, bankruptcy, foreclosure and repossessions are skyrocketing.

With many of us paying outrageous interest rates and high monthly payments, people are always looking for ways to lower their monthly bills. Vehicle Refinance is one of the quickest ways to do that.

How To Refinance A Car Loan

The first step is to know the interest rate and the balance of your current vehicle loan. This can be obtained by calling, checking online, or faxing a request to your auto loan lender. Once you know what you owe, then you can determine how beneficial a car refinance might be. If you have had your auto loan for at least a year, a car loan refinance can almost always lower your monthly payment.

Click here to use our auto refinance calculator. You can enter your balance, term, and the interest rate to calculate what the payment will be. You can compare different scenarios to see if how much more you can save by adding a down payment.

Can You Get A Car With Bad Credit?

For many hardworking men and women, bad credit can have a very bad effect on your life, especially in Texas. No matter the reasons, bad credit can add stress and difficulty to an already stressful financial situation. And for some people, bad credit makes getting a new vehicle very difficult. Here are some reasons people develop bad credit and some ways you can get a vehicle, even if your credit is less than perfect. Car Loan With Bad Credit in Texas

Here are just a few common causes of bad credit:

  • Job Loss - Losing your job and needing to pay expenses with a credit card can be one of the easiest ways for bad credit to build up.
  • Divorce - A divorce may leave you stuck with legal fees, housing you cannot afford, or being stuck with your ex's bills or debt.
  • Illness, Accident or Death - Whether you yourself are sick or in an accident, or there is a death in the family, having to pay large bills at an unexpected time can really hit your credit score hard.
  • Bad Spending - Sometimes people just spend too much. Whether it's shopping (clothes, computers, TVs, etc.) or other poor spending decisions, bad credit can sneak up on anyone.

So once you've fallen into a hole of bad credit, how can you get yourself out to buy a new car? To get a new job or to get to work, people need a vehicle for transportation. But to get a new vehicle, credit problems can be difficult to overcome. For many people, this can be a difficult circle to get out of. One solution is to get a new car through a "used car buy here pay here" car lot. These types of dealers specialize in automobile financing for people who are suffering from bad credit or have never established any credit at all. Depending on the dealer, some used car dealerships that finance bad credit not only offer customers with poor credit a chance at getting a perfectly good used vehicle, but they also help them build their credit score back up through consistent payments and a commitment to seeing their customers succeed.

It is always important to research your options before buying a vehicle, but if you are struggling with poor credit or no credit at all, a buy here, pay here (or "tote-the-note") dealer may be your best option. And be sure to look for dealers that offer fair payments and includes a warranty to go with your new used vehicle. You should also make sure they report your payments to the credit. Many used car dealerships for bad credit don't report payments, so you never get a chance to improve your credit.

Click on the GET MY LOAN button below

and start working your way towards obtaining the best car loan today!

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