The time has come that you need a new car, and your credit score is shot to pieces. Texas is a state with liberal lending practices, and this makes it easy to get bad credit auto loans quickly. In some states, these are called second chance finance, but in reality, these are used car dealers that provide in house financing. Typically, there are no interest rates involved, but the cost of the vehicle is inflated to cover the dealer’s profit for the cost of doing business, and his or her risk in the transaction.