Terms and Conditions

You must be at least 18 years old and legally able to enter into contracts to submit a credit application.

You agree that all information you submit is true, accurate, and complete, and that you are applying on your own behalf (or with the written consent of any co-applicant whose information you provide). Submitting false or misleading information on a credit application may violate state and federal law.

Submitting an application does not guarantee approval, a particular rate, term, down payment, or payment amount. USA Direct Auto is a dealer, not a lender; financing, if offered, is provided by a third-party lender or by assignment of a retail installment contract, and is subject to that lender's approval and terms. Final terms appear only in the signed retail installment contract.

Vehicles are subject to prior sale. Prices, photos, specifications, mileage, and features shown online are provided in good faith but may contain errors; we reserve the right to correct errors at any time before a sale is completed. Advertised prices exclude tax, title, license, registration, and dealer documentary fees unless stated. The terms of any sale, including warranty coverage or "as is" status, are governed by the FTC Buyers Guide displayed on the vehicle and the documents you sign at the time of sale.

You agree not to use the website to submit another person's information without authorization, attempt to access systems or data you are not authorized to access, introduce malicious code, scrape or copy content by automated means, or interfere with the website's operation.

The website's content, logos, and design are owned by or licensed to USA Direct Auto and may not be copied or used without our written permission.

The website may link to or use third-party services, including lenders and credit bureaus. We are not responsible for their content, terms, or privacy practices.

Some calls, text messages, emails, and chat responses from USA Direct Auto may be generated or sent, in whole or in part, using automated systems or artificial intelligence (AI). This technology is still being developed and may make mistakes. AI-assisted messages are for general information only and may be inaccurate, incomplete, outdated, duplicated, or sent at unexpected times. By providing your phone number and consenting to receive messages, you agree that USA Direct Auto may send follow-up and reminder messages about your application, documents, appointments, or pending transaction, including repeated follow-ups if you have not responded, until the matter is complete or you tell us to stop. Not responding to a message is not a request to stop; to stop, reply STOP or OPT OUT.

No AI-assisted message is an offer, approval, commitment, or guarantee, and no such message creates or changes any price, vehicle description, credit decision, financing term, warranty, or contract. Only written documents you sign with USA Direct Auto, such as a buyer's order or retail installment contract, are binding. Please confirm any information with a USA Direct Auto team member at (832) 252-1400 before relying on it; you may ask to speak with a person at any time. If you believe you received a message in error, contact us at (832) 252-1400 or Karina@usadirectauto.com. Nothing in this section limits your right to stop receiving messages as described in our Electronic Communications Policy and Consent and Privacy Policy, or any right you have under law that cannot be waived.

The website is provided "as is" and "as available." To the fullest extent permitted by law, we disclaim all warranties regarding the website, including warranties of merchantability, fitness for a particular purpose, and non-infringement. This section does not limit any written warranty provided with a vehicle purchase.

To the fullest extent permitted by law, USA Direct Auto will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the website. Our total liability for any claim relating to the website will not exceed $100. Nothing in these Terms limits rights you have under law that cannot be waived.

You agree to indemnify and hold USA Direct Auto harmless from claims arising from your misuse of the website or your violation of these Terms, including submitting false or unauthorized information.

These Terms are governed by the laws of the State of Texas and applicable federal law. Subject to Section 13, any dispute shall be brought in the state or federal courts located in Harris County, Texas.

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO GO TO COURT AND TO A JURY TRIAL.

(a) Agreement to arbitrate. You and USA Direct Auto agree that any claim, dispute, or controversy, whether based on contract, tort, statute, or any other legal theory, that arises out of or relates to your use of the website, your credit application, any calls, text messages, or other communications from USA Direct Auto, or these Terms (a "Claim") will be resolved by binding individual arbitration and not in court. The arbitrator, not a court, will decide any dispute about the scope, validity, or enforceability of this Section 13, except as stated in Section 13(d).

(b) Selection of the arbitration organization. USA Direct Auto will select the organization that administers the arbitration, which will be either the American Arbitration Association (AAA) under its Consumer Arbitration Rules or JAMS under its Streamlined Arbitration Rules & Procedures, or a comparable national arbitration organization if neither is available. The arbitration will be heard by a single neutral arbitrator appointed under that organization's rules. The arbitration will take place in Harris County, Texas, or by telephone or video conference where the rules allow.

(c) Costs. USA Direct Auto will pay all filing, administration, and arbitrator fees that the organization's consumer rules require a business to pay, and any portion of those fees that exceeds what you would pay to file a lawsuit in court. Each party will pay its own attorneys' fees and costs unless applicable law or the arbitrator awards them.

(d) Class action waiver. Claims will be arbitrated only on an individual basis. Neither you nor USA Direct Auto may bring or participate in a class, collective, or representative action, and the arbitrator may not consolidate the claims of more than one person. If a court finds this class action waiver unenforceable, this entire Section 13 will not apply, and the Claim will proceed in court under Section 12.

(e) Exceptions. Either you or USA Direct Auto may bring an individual Claim in a justice court or other small claims court if the Claim is within that court's jurisdiction and remains there. Nothing in this Section 13 prevents you from bringing an issue to the attention of a government agency.

(f) Jury trial waiver. YOU AND USA DIRECT AUTO EACH WAIVE THE RIGHT TO A JURY TRIAL AND TO HAVE ANY CLAIM DECIDED BY A COURT, except as stated in Sections 13(d) and 13(e).

(g) Governing law; other agreements. This Section 13 is governed by the Federal Arbitration Act. If you sign a buyer's order or retail installment contract with USA Direct Auto that contains its own arbitration provision, that provision controls for Claims relating to that transaction. This Section 13 survives the end of your relationship with USA Direct Auto.

(h) Limits on relief. The arbitrator may award only the individual relief, including damages, that a court could award to you individually on your Claim, and may not award relief to or on behalf of anyone else. The arbitrator may not award punitive or exemplary damages except where a statute expressly requires them. The limitations and exclusions in Section 10 apply in arbitration to the same extent they would apply in court, except that nothing in Section 10 or this Section 13 limits any remedy that applicable law does not allow to be waived or limited.

We may update these Terms by posting a revised version with a new effective date. Changes apply only to use of the website after posting.

Group 1 Auto LLC d/b/a USA Direct Auto, 421 Little York Rd, Houston, TX 77076, (832) 252-1400, Karina@usadirectauto.com.