Buy Here Pay Here (BHPH) financing means you purchase and finance your vehicle directly through Auto City Credit. We handle both the sale and the loan, making it easier for customers in Dallas with less-than-perfect credit to get approved.

No. We specialize in helping individuals with bad credit, no credit, or past financial challenges. Our in-house financing focuses on your current income and employment stability, not just your credit score.

To apply, you’ll need:

• A valid photo ID (driver’s license not required)
  
  
• Proof of income (recent pay stubs or bank statements)
  
  
• Proof of residence (utility bill or lease agreement)
  
  
• Down payment (amount varies by vehicle)
  
  

You can apply online or visit our Dallas location to get started.

Our approval process is quick and straightforward. Most customers receive approval within minutes, allowing you to drive off the lot the same day.

No. While a valid driver’s license is not required, you must provide a government-issued photo ID and proof of insurance before driving off the lot.

Yes. We understand that life happens. Past repossessions, bankruptcies, or other financial setbacks won’t automatically disqualify you. We focus on your current situation and ability to repay.

We offer a wide range of quality used cars, trucks, and SUVs to suit various needs and budgets. Our inventory is regularly updated, and all vehicles undergo thorough inspections to ensure reliability.

Payments are typically made bi-weekly and can be conveniently paid at our dealership or through our online portal. We accept various payment methods to fit your preferences.

Yes. We report your payment history to major credit bureaus, which can help you rebuild or establish your credit over time.