Buy Here Pay Here Dealer in Texas

Are you searching for an auto financing solution that is right for you and your budget? Auto City Credit is here to help. We welcome drivers from all across Texas to our greater Dallas used car dealerships. With many different locations across Dallas and Arlington, you’re never far from approval for a car loan.

How can we approve Texas drivers so easily? Our speedy approvals happen because we’re a Buy Here, Pay Here (BHPH) used car dealership. What does that mean for you? It means Auto City Credit can work with customers in all kinds of credit situations. Even if you have bad credit or no credit at all, we can work with you.

Buy here, pay here dealerships like Auto City Credit work differently than new car dealerships. In order to understand the difference, let’s take a look at how BHPH dealerships work. At Auto City Credit, we are your one-stop-shop for your next vehicle and the auto financing you need to pay for it. Our customers finance in-house, working with our credit experts to find a payment solution that is tailored to fit their needs and budget.

At other dealerships, you only shop for a vehicle there. You then have to finance the vehicle through another party, usually a big bank or a manufacturer’s credit company. The dealership doesn’t have any say in the deal you get from your car loan provider, and those providers are typically only focused on your credit score.

That means things like previous credit problems can prevent you from getting an auto loan from a bank. This is not the case at Auto City Credit, because we finance your vehicle in-house and can look at more than your credit score. That’s why we say “your job is your credit” here.

As a buy here pay here dealership in Texas, we’re flexible in how we provide our loans. With proof of income, we can tailor an auto loan solution to your budget. That proof of income isn’t limited to a paystub from a current job, though these are always welcome. We can consider income from many sources, including child support, a pension, or income from self-employment. You just need to provide verification in the form of bank statements.

Texas drivers can start the approval process from the comfort of home with our easy online pre-approval form. One of our buy here, pay here finance experts will contact you with next steps. With some additional documentation in hand when you visit one of our dealerships, you can be approved and drive away the same day!

Auto City Credit isn’t just a great buy here, pay here dealership, there are many other benefits to choosing us. We offer vehicle service, a Love It or Leave It Guarantee, and a 24-month / 24,000-miles warranty. We look forward to working with you today!