CarTopia offers buy here pay financing that is very different from what you have experienced in the past. Most customers with bad credit think they have to settle for a high mileage piece of junk car that costs way too much. Those types of cars make it very hard to trade out of as your credit improves. In fact, often times you get stuck in the buy here pay here cycle and are never able to get a better vehicle.

This is not the case at CarTopia. Our entire goal is to help you improve your credit as quickly as possible and move into a nicer, newer car. Most customers are able to trade out and trade up in as little as 6 months. And the best part is you don't have to carry over any "negative equity" to your new vehicle.

Here are some of the things you can expect from CarTopia's Buy Here Pay Here Financing:

  •   Flexible payments and down payments customized to your specific budget
  •   We report to the Credit Bureau so your credit may improve
  •   Ability to keep the vehicle overnight to inspect prior to purchasing
  •   You can bring back the vehicle at any time and walk away
  •   12 month 24,000 miles service contract
  •   We pay for your oil changes
  •   Quick Easy Financing without all the games or pressure
  •   Self Employed, Bankruptcy, Repo, ITIN are no problem. This is our specialty
  • Apply Now and Find Out What Excellent Buy Here Pay Here Financing is all about  

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      Final Steps
      • In order to qualify for one of our many credit programs, if you proceed with the questions above and send your information by clicking on the "submit" button, you are thereby giving your consent for our dealership to obtain a consumer credit report.
      • Submit!

      CarTopia   


      21701 IH-35
      Kyle, TX 78640
      Phone (800)985-4337

      Hours 


      Monday:9:00 AM - 7:00 PM
      Tuesday:9:00 AM - 7:00 PM
      Wednesday:9:00 AM - 7:00 PM
      Thursday:9:00 AM - 7:00 PM
      Friday:9:00 AM - 7:00 PM
      Saturday:10:00 AM - 6:00 PM
      Sunday:CLOSED
      Get Pre-Approved &  See Your Credit Score