Texas Direct Auto should be investigated by the attorney general for the way they conduct business I think.
Here is my experience: I saw a car on line that I liked and put a bid on it. It was short of their "reserve" price so the sales rep called me and gave me a lower price. It was still high but the car looked to have premium value in terms of mileage and condition so I agreed to the price. He said he had to have a $500 deposit to hold the car. I said OK again and explained that I would be financing the car and wanted a low payment and would pay $2000 down. He said OK and asked me to fill out their on line credit app which I did. I also explained the car was for my wife and she was out of town and we could only pick up the car in a week. Also OK. Arrived 7 days later with cash in hand and then the finance guy tells me they cannot finance the car as long as I wanted for the low payments. I said that stops the deal. He makes a few calls and then we have the extended financing but the interest rate jumps to almost 7%. I said no to this. He then prints out a list of charges so I can go to my bank and get the loan done and guess what. There is a $595 charge for "Gov. Fees+ Gap Ins". So I asked what this was. The salesman didn't know. So I said take it off. They said OK.
The next day I decided to give up on this car and buy a newer one from them in order to make it easy for the extended financing. They felt they had me I guess because they made the price very high. I gave up and said I want my deposit back. Salesman Alex Rodas reply: "We don't refund deposits." The deposit was to hold the car with the deal I expected. I didn't get a car or a deal and they want to keep my money. So I am disputing with the credit card company. Will probably end up in small claims. Don't give these guys a deposit.