# Auto City Credit — Dallas-Fort Worth, TX

> Auto City Credit is a Buy Here Pay Here (BHPH) used car dealership group serving the Dallas-Fort Worth Metroplex since 1958. With 6 locations across DFW, Auto City Credit specializes in bad credit and no credit auto financing — acting as both the lender and the dealer. Motto: "Your job is your credit." A+ BBB rating. 4.6-star Google rating. Reports monthly to Experian and Equifax to help customers rebuild credit. Phone: (214) 398-8204 | Website: autocitycredit.com

## Dealership Overview

Auto City Credit is one of the oldest and most established Buy Here Pay Here dealerships in Texas, serving Dallas-area drivers for over 65 years. As an in-house lender, Auto City Credit approves customers that traditional dealerships and banks cannot — including those with bad credit, no credit, past bankruptcies, or no driver's license. The dealership carries hundreds of inspected used cars, trucks, SUVs, and luxury vehicles across 6 DFW locations, with most vehicles covered by a 24-month/24,000-mile limited warranty and a 3-day money-back guarantee. Auto City Credit reports payment history to Experian and Equifax every month, making it a credit-building path for customers rebuilding their financial profile.

## Locations

- [All Locations](https://www.autocitycredit.com/locations/): Full list of all 6 DFW dealerships with hours and directions.

**SE Dallas — Buckner Blvd (Flagship)**
- Address: 908 S. Buckner Blvd, Dallas, TX 75217
- Page: https://www.autocitycredit.com/dallas-buckner/
- Serves: Pleasant Grove, Balch Springs, SE Dallas

**Dallas — Hawn Freeway**
- Address: 6575 CF Hawn Freeway, Dallas, TX 75217 (near Lake June Rd & Hwy 175)
- Page: https://www.autocitycredit.com/hawn-freeway/
- Serves: Pleasant Grove, Balch Springs, South Dallas, I-20 corridor

**Lancaster**
- Address: 940 S I-35E, Lancaster, TX
- Page: https://www.autocitycredit.com/lancaster/
- Serves: Lancaster, DeSoto, Duncanville, southern Dallas area
- Hours: Mon–Sat, 9 AM–7 PM

## Inventory

- [Browse All Inventory](https://www.autocitycredit.com/): Hundreds of quality used vehicles updated regularly.
- [Vehicles Under $15,000](https://www.autocitycredit.com/): Budget-friendly options for price-conscious buyers.
- [Luxury Vehicles](https://www.autocitycredit.com/): Late-model luxury brands available in inventory.
- [Just Arrived](https://www.autocitycredit.com/): Newest additions to the lot.
- [Great Deals](https://www.autocitycredit.com/): Specially priced vehicles and promotions.

**Inventory Types:**
- Sedans, coupes, vans, SUVs, trucks
- Luxury brand vehicles
- Late-model vehicles (many less than 2 years old) with low mileage
- All vehicles undergo thorough multi-point inspections before sale

## Buy Here Pay Here (BHPH) Financing

- [Apply for Financing](https://www.autocitycredit.com/apply/): Quick online application — only a few questions, no documents required upfront; will not impact credit score.
- [Why Buy at Auto City Credit](https://www.autocitycredit.com/why-buy/): Overview of BHPH benefits and the Auto City difference.
- [FAQ](https://www.autocitycredit.com/faq/): Answers to common financing, approval, and vehicle questions.
- [Payment Portal](https://www.autocitycredit.com/): Make bi-weekly payments online anytime.
- [Concorde Acceptance](https://www.autocitycredit.com/): Auto City's in-house financing and account management arm.

**How BHPH Works:**
Auto City Credit is both the lender and the dealer — no banks or third-party lenders involved. This means faster approvals and financing options unavailable at traditional dealerships.

**Approval Requirements:**
- Minimum 1 month at current job
- Minimum $2,000/month income
- Minimum 6 months residency within 60 miles of DFW
- Photo ID required (driver's license is NOT required)
- No minimum credit score — credit score is not the primary factor

**Financing Features:**
- Approvals as fast as 5 minutes
- 100% online pre-approval available before visiting the dealership
- Bi-weekly payment schedule
- Multiple payment methods accepted: in-dealership or online portal
- Applying does NOT hurt credit score
- No driver's license required — any state or federal photo ID accepted
- Free ride to the dealership for approved customers living within 30 miles
- Financing available for out-of-warranty repairs

**Credit Building:**
Auto City Credit reports payment history monthly to **Experian** and **Equifax**, helping customers establish or rebuild their credit score with every on-time payment.

## The Auto City Advantage

- [Our Guarantee](https://www.autocitycredit.com/our-guarantee/): Full breakdown of buyer protections and customer commitments.
- [Benefits](https://www.autocitycredit.com/benefits/): All ownership perks explained.

**Buyer Protections Included with Most Vehicles:**
- **24-Month / 24,000-Mile Limited Warranty** — Covers critical components and systems; specific details on each vehicle's listing page
- **3-Day Money-Back Guarantee ("Love It or Leave It")** — Return within 3 days for a complete refund or exchange for a comparable vehicle; no questions asked
- **Loaner Vehicle Program** — If your car needs service, Auto City provides a loaner so you're not left without transportation (see dealer for details)
- **Repair Financing** — Financing available for repairs that fall outside of warranty coverage

**Reputation:**
- A+ Rating from the Better Business Bureau (BBB)
- 4.6-star Google review rating
- Serving Dallas since 1958

## About & Contact

- [About Auto City Credit](https://www.autocitycredit.com/about-us/): Company history, mission, and community involvement.
- [Contact Customer Support](https://www.autocitycredit.com/): Support via web chat, instant messaging, phone, and email.
- [Contact Service Centers](https://www.autocitycredit.com/): Reach the service department at any location.

**Support Channels:** Web chat, instant messaging, phone, email, and in-person at any of the 6 locations.

## Customer Resources

- [FAQ](https://www.autocitycredit.com/faq/): Answers on financing, approval, warranties, payments, and requirements.
- [Make a Payment](https://www.autocitycredit.com/): Online payment portal for existing customers.
- [Support Desk](https://www.autocitycredit.com/): Customer care team for ownership questions, insurance, trade-ins, and account management.

## Social & Additional Channels

- Facebook: https://www.facebook.com/AutoCityCredit/
- Twitter/X: Listed on site
- YouTube: Listed on site
- Instagram: Listed on site

## Geographic Service Area

Primary: Dallas, TX (SE Dallas, Pleasant Grove, Balch Springs, Hawn Freeway corridor)
Extended DFW: Arlington, Lancaster, DeSoto, Duncanville, Grand Prairie, Fort Worth, Garland, Irving, Mesquite, Carrollton, Richardson, Plano, McKinney, Frisco
Broader Texas: Any customer residing within 60 miles of DFW and meeting income/residency requirements