Chacon Autos
Chacon Autos is a family-owned Texas Buy Here, Pay Here dealership operating 11 locations that sells 1-5 year-old used vehicles and provides in-house financing for customers across the full credit spectrum, including bad and no credit.
- Company typePrivate
- Founded1958
- HeadquartersDallas, United States
- Headcount101–250
- GTM typeB2C
- OfferingServices
What Chacon Autos does
Chacon Autos is a Texas-domiciled, family-owned Buy Here, Pay Here (BHPH) used vehicle dealership operating 11 retail showrooms across Dallas, Fort Worth, Arlington, Austin (Cedar Park), San Antonio, Houston, South Houston, Tyler, and Abilene. Founded in 1958 by William Chaney and operated since the 1980s by the founder's sons, the business combines used-vehicle retail (pre-owned cars, trucks, and SUVs aged 1-5 years, priced $8,000-$50,000, drawn from brands including Toyota, Chevrolet, Kia, Nissan, Ford, Honda, Hyundai, Jeep, Dodge, and Volkswagen) with in-house installment financing that underwrites the full credit spectrum (good, bad, and no credit). The core technology stack is a standard dealership inventory management and financing platform with an online pre-qualification tool that supports ID and bank-statement upload, plus a multi-channel collections infrastructure (ChaconPay.com web portal, automated phone payments, in-person, and mail).
Chacon Autos firmographics
Firmographics- Name
- Chacon Autos
- Legal name
- Chacon Autos, Ltd.
- Website
- https://chaconautos.com
- Company type
- Private
- Founded year
- 1958
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Chacon Autos is a family-owned Texas Buy Here, Pay Here dealership operating 11 locations that sells 1-5 year-old used vehicles and provides in-house financing for customers across the full credit spectrum, including bad and no credit.
- Ownership category
- akta.pro rank
Chacon Autos industry classification
Industry- Product category
- Used Car Dealership
- NAICS
- Used Car Dealers (441120), Used Car Dealers (44112), Motor Vehicle and Parts Dealers (441)
- SIC
- Retail-Auto & Home Supply Stores (5531)
- akta.pro primary industry
- New & Used Auto Purchase Loans (FSAKADAA)
Keywords
Where Chacon Autos is headquartered
LocationHeadquarters
- HQ city
- Dallas
- HQ country
- United States
- HQ region
- North America
Offices9 records
Markets served
Chacon Autos business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Supply Chain, Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Vehicle Sales: Revenue generated from the sale of used vehicles including cars, trucks, and SUVs. The company sells pre-owned vehicles aged 1-5 years with prices ranging from $8,000 to $50,000. Additional fees include $150 documentary fee, taxes, and title/license fees.
- In-House Financing: Revenue generated from in-house financing arrangements for vehicle purchases. The company acts as both the dealer and financing company, offering flexible payment terms (weekly, biweekly, monthly) to customers with various credit situations. Interest and financing charges on installment payments constitute a significant revenue stream.
- Debt Cancellation Agreement: Optional product offered at additional charge at time of purchase, providing debt cancellation coverage for customers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Pay-as-you-go | Used vehicle prices based on make, model, year, and mileage |
Go-to-market motion2 records
Distribution channels1 record
Marketing channels5 records
Chacon Autos product offering
Product offeringCore offering
Chacon Autos sells quality pre-owned vehicles (cars, trucks, SUVs, 1-5 years old, priced $8,000-$50,000) from brands including Toyota, Chevrolet, Kia, Nissan, Dodge, Ford, Honda, Jeep, Hyundai, and Volkswagen, and finances those sales in-house through its Buy Here, Pay Here (BHPH) program. The company serves buyers with good, bad, or no credit via weekly, biweekly, or monthly installment schedules, with optional Debt Cancellation Agreement coverage sold at the point of purchase. Eleven Texas dealership locations handle sales, financing origination, and ongoing payment servicing (online via ChaconPay.com, phone, in-person, and mail).
Product overview
Chacon Autos is a Texas-based Buy Here, Pay Here used car dealership operating since 1958. The company offers a unified platform combining pre-owned vehicle sales with flexible in-house financing solutions for customers across the credit spectrum. Their product portfolio centers on three interconnected offerings: used car sales (featuring inventory from brands including Toyota, Chevrolet, Kia, Nissan, Dodge, and Ford), BHPH financing (providing direct in-house loan origination without third-party lenders), and multi-channel payment systems (including the ChaconPay.com online portal, phone system, in-person, and mail options). The online pre-qualification tool bridges sales and financing, allowing customers to complete financing approval before visiting a dealership. The company operates eight physical locations across Texas (Dallas, Arlington, Cedar Park, San Antonio, Houston, South Houston, Tyler, and Abilene), serving customers who may not qualify for traditional bank financing.
Differentiator
Problem solved
Functional benefit
Products and services
- Used Car Sales Retail sale of quality pre-owned vehicles including cars, trucks, and SUVs from brands such as Toyota, Chevrolet, Kia, Nissan, Dodge, Ford, Honda, Jeep, Hyundai, and Volkswagen, with inventory typically aged 1-5 years and low mileage; priced from $8,000 to $50,000, plus a $150 documentary fee and applicable taxes/title/license. Sold to individual Texas consumers at the company's 11 physical dealerships and initiated via online inventory browsing.
- Buy Here, Pay Here (BHPH) In-House Financing In-house installment financing for vehicle purchases, originated and serviced by Chacon Autos without third-party lenders, available to good-credit, bad-credit, and no-credit buyers with flexible weekly, biweekly, or monthly payment schedules. Underwriting is performed internally on every application, and customers can complete pre-qualification online before visiting the dealership.
- Debt Cancellation Agreement Optional debt cancellation coverage product sold at additional charge at the time of purchase, providing protection to the customer in connection with their financed vehicle.
Quantifiable outcome
- We approve many different credit situations: good credit, bad credit, or no credit
- +1 more outcomes
Companies that use Chacon Autos
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles2 records
Chacon Autos technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Chacon Autos partnerships and signals
Strategic signalScale indicators5 records
Recent moves6 records
Expansion highlights5 records
Chacon Autos competitors and assessment
Company assessmentBroad incumbents
- CarMax: CarMax is the largest used-vehicle retailer in the U.S., offering a nationwide omnichannel experience with third-party financing (not in-house BHPH). Comparable on used-vehicle retail operations but materially broader in scale and uses external lenders rather than captive financing.
- Carvana: Carvana is the leading online-only used car retailer with vertical financing arrangements and home delivery, competing across the same used-vehicle TAM as Chacon. Differentiates on digital experience and geography-agnostic operating model, contrasting with Chacon's brick-and-mortar Texas concentration.
- AutoNation: AutoNation is one of the largest U.S. auto retailers operating both new franchise dealerships and used-vehicle operations (including EchoPark). Comparable as an established multi-location used car retail platform with captive financing partnerships; broader portfolio than Chacon but overlapping on used-car retail and F&I attach.
- EchoPark: EchoPark is AutoNation's used-vehicle-only retail brand, positioned as a customer-focused alternative to traditional used car lots. Comparable as a multi-location used-car retailer with structured pricing, online inventory browsing, and broader capital backing than Chacon.
- Vroom: Vroom is an online used car retailer focused on consumer convenience with financing partnerships. Operates in the same market as Chacon (used cars to consumers with financing attached) but contrasts as an asset-light digital model rather than physical BHPH lots.
Emerging players
- Hertz Car Sales: Hertz Car Sales sells former rental fleet vehicles through company-owned retail locations in select U.S. markets with third-party financing offers. Comparable on used-vehicle multi-location retail, but serves a different (less subprime-skewed) customer and uses a rental-fleet sourcing model rather than auction/trade-in inventory.
Direct peers
- DriveTime: DriveTime is the largest dedicated Buy Here, Pay Here used car dealership chain in the United States, offering in-house financing to subprime customers across multiple states. Closest comparable: same BHPH business model, similar credit-box targeting, and similarly vertically integrated sales-plus-finance structure.
- J.D. Byrider: J.D. Byrider is a long-running franchise system of BHPH used car dealerships (now under Asbury Automotive Group) targeting credit-challenged buyers with in-house financing and on-lot payment servicing. Directly mirrors Chacon's BHPH model, customer segmentation, and payment-cadence flexibility.
- Auto Credit Center: Auto Credit Center is a Texas-based BHPH used car dealership network with in-house financing for bad credit, no credit, and good credit customers — directly comparable to Chacon on business model, customer segment, and geographic footprint in Texas.
Regional players
- Lone Star Auto Sales: A Texas-based independent used car dealership group with multiple locations and in-house financing arrangements for credit-challenged buyers. Comparable as a regional Texas competitor operating similar BHPH-style customer offerings, but smaller scale than Chacon's 11-location network.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks1 record
Key highlights7 records
Customer concentration
Chacon Autos social profiles
Digital presenceChacon Autos financial estimates
Financial estimateRevenue estimate
Valuation estimate
Chacon Autos leadership team
Management profileNumber of profiles
Chacon Autos funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Chacon Autos M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Chacon Autos
What does Chacon Autos do?
Chacon Autos sells quality pre-owned vehicles (cars, trucks, SUVs, 1-5 years old, priced $8,000-$50,000) from brands including Toyota, Chevrolet, Kia, Nissan, Dodge, Ford, Honda, Jeep, Hyundai, and Volkswagen, and finances those sales in-house through its Buy Here, Pay Here (BHPH) program. The company serves buyers with good, bad, or no credit via weekly, biweekly, or monthly installment schedules, with optional Debt Cancellation Agreement coverage sold at the point of purchase. Eleven Texas dealership locations handle sales, financing origination, and ongoing payment servicing (online via ChaconPay.com, phone, in-person, and mail).
Is Chacon Autos a public or private company?
Chacon Autos is a private company. It is classified as family owned and is currently operating.
When was Chacon Autos founded?
Chacon Autos was founded in 1958. It employs 101 to 250 people.
Where is Chacon Autos based?
Chacon Autos is headquartered in Dallas, United States, in the North America region.
How does Chacon Autos make money?
Three revenue lines are on record. Vehicle Sales are the primary driver. The others are in-House Financing and debt Cancellation Agreement.
Who are Chacon Autos's main competitors?
Broad incumbents on record are CarMax, Carvana, AutoNation, EchoPark and Vroom. Hertz Car Sales is listed as an emerging player. Direct peers are DriveTime, J.D. Byrider and Auto Credit Center. Lone Star Auto Sales is listed as a regional player.
Does Chacon Autos have an API?
No public API is recorded for Chacon Autos.
What industry is Chacon Autos in?
Chacon Autos's product category is Used Car Dealership. Its primary akta.pro industry code is FSAKADAA, New & Used Auto Purchase Loans. Its NAICS code is 441120 and its SIC code is 5531.