Texas auto-loan exits

Stuck with a car loan you can't afford?

ReDrive helps Texans walk away from underwater or behind-on auto loans — without repossession, new debt, or cash out of pocket.

Get my custom offer → How it works
Free, no commitment Response in 24–48 hours Texas only
Works with most major lenders
DriveTime Carvana Credit Acceptance Westlake Capital One Auto Ally Santander Bridgecrest

If any of this sounds familiar...

01

Your car is worth less than what you owe.

You bought it new or near-new. Three years later, the loan balance is thousands above what dealers will give you on trade-in.

02

The monthly payment is eating your paycheck.

What seemed manageable on signing day is now squeezing rent, groceries, everything. Refinancing somewhere else just trades one bad loan for another.

03

You've missed a payment — and the calls have started.

Lenders move fast once you fall behind. A repo on your credit report follows you for seven years and kills your chances of buying any vehicle in that window.

04

The dealership wants thousands down to take it back.

You can't trade out without cash you don't have. You can't sell privately for what you owe. Every traditional exit asks you for money you're already short on.

You're not stuck. You just need a different kind of exit than the one they're showing you.
What we do

Two paths out. Both keep your credit intact.

We review your loan in detail and structure the right program for your situation. No new debt. No refinancing. Nothing reported to credit bureaus.

01
Path one

Take Over Payments

You transfer the vehicle to us. We take over the monthly payments to your lender directly — on time, every month — until the loan resolves. You walk away with no payment, no balance, and no repo on your credit.

Best for Manageable payment, mostly underwater on the loan balance
Outcome Loan resolves cleanly. No new debt.
Vehicle Transfers to ReDrive
Timeline Closes in under 2 weeks
02
Path two

Title Payoff

We pay off your lender directly to clear the loan — often the same day you sign. You then make a smaller, agreed-on payment to ReDrive over a short term, designed around what you can actually afford each month.

Best for High monthly payment relative to balance; need to reduce burden fast
Outcome Original lender paid off. New manageable terms.
Timeline Same-day close possible
Term Typically 4 months
The process

From form to offer in 24–48 hours.

1

Tell us about your loan

A 3-minute form: vehicle, current balance, monthly payment, lender. No SSN, no credit pull, no commitment.

2

We structure your offer

Within 24–48 hours, we send a written offer matched to your situation — either a takeover or a title-payoff structure with clear terms.

3

Sign and we handle the rest

Sign electronically, hand over the paperwork. We coordinate with your lender, file what's needed, and you're out of the loan.

Why ReDrive

The exit a bank won't offer you.

Built for people the traditional auto-finance system has stopped serving. Run by people who actually answer the phone.

A

Nothing hits your credit

We're not a lender, refinancer, or dealership. Our process doesn't pull credit and doesn't get reported to bureaus. Your score stays where it is.

B

Built on Texas property law

Installment-sale and limited power-of-attorney structures, written under Texas contract law. Transparent paperwork — independent legal review encouraged.

C

Speed when it matters

Repo timelines move in days, not months. We deliver offers in 24–48 hours. Title Payoff cases can close same-day after signing; Take Over cases typically wrap in under two weeks.

Common questions

Everything you'd want to ask first.

Our process is private and not reported to credit bureaus. Avoiding a repossession protects your score far better than letting the lender reclaim the vehicle — a repo entry typically drops scores 100+ points and stays on your report for seven years.
We work with most vehicles financed through DriveTime, Carvana, Credit Acceptance, Westlake, Capital One Auto, Ally, Santander, and others. Typically we can assist with 2016 or newer models under 120,000 miles, but every situation is reviewed individually.
No. Whether you're current, behind, or have already received a repossession notice, we can often create a solution. The sooner you contact us, the more options you'll have — we cannot stop repossessions already in progress.
That's the most common situation we see. We specialize in creative equity transfers that do not require you to pay the full deficiency or bring cash to close. Each case is unique — we structure around what's actually possible.
In most cases, nothing out of pocket. If we can't structure a deal that benefits you — by clearing your balance or generating equity — we'll let you know up front. We only move forward when it's a win-win.
Yes. ReDrive operates under Texas contract and property law, using valid installment-sale and limited power-of-attorney documents. All transactions are handled transparently, and you are encouraged to seek independent review of any agreement before signing.
We can usually provide a formal offer within 24–48 hours of receiving your information. For Title Payoff cases, the entire transaction can often close the same day you sign — we wire the payoff to your lender directly. Take Over cases typically wrap in under two weeks. Speed matters when you're facing repossession, and our team moves quickly to protect your options.
For Title Payoff cases, yes — we pay your lender directly and you pay ReDrive on new terms. For Take Over cases, we assume the existing payments rather than paying it off in one lump. We are not a lender or refinance company; we're a transaction facilitator.
Absolutely. We do not share or report your information to credit bureaus, lenders, or outside parties without your consent. Your data is used only for completing your transaction and protected under our privacy policy.
Ready to start

Get your custom offer today.

3 minutes to fill out. Free, no commitment. We'll respond within 24–48 hours with a written offer matched to your situation.

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Or text READY to 817-382-2093