Business Details
50+ Years
experience
Your Trusted Source for Used Cars in Dallas, TX
Since 1958, Auto City Credit has been a trusted Dallas-based dealership specializing in helping credit-challenged customers secure reliable transportation. Our in-house financing model eliminates reliance on third-party banks, enabling fast approvals within minutes regardless of credit history. We prioritize income stability and employment over credit scores, offering flexible terms tailored to individual financial situations. With a BBB A+ rating and a 3-day money-back guarantee, we combine decades of automotive expertise with consumer protections, including 2-year/24,000-mile warranties on most vehicles.Our inventory features late-model, low-mileage used cars from premium brands like BMW, Cadillac, and Chevrolet, all rigorously inspected to ensure quality. As one of the few buy-here-pay-here dealerships in the region, we report payments to Experian to help customers rebuild credit while maintaining transparent, no-pressure sales practices.
Services
Used Car Sales
In-House Financing
Vehicle Warranties
Credit Rebuilding Assistance
Buy Here Pay Here
Details
- Year established: 1958
Highlights and features
- We offer in-house financing with approvals in 5 minutes regardless of credit history
- Our inventory includes late-model, low-mileage vehicles from trusted brands
- We provide 2-year/24,000-mile warranties on most vehicles
- Our 3-day money-back guarantee ensures customer satisfaction
- We report payments to Experian to help rebuild credit scores
Associations and certifications
- Better Business Bureau
What people say
Quick and easy process
Helped with bad credit
Affordable down payments
Professional staff
Successful credit rebuilding
Services
Buy Here Pay Here
Our Buy Here Pay Here program provides direct vehicle financing without third-party banks. Customers with bad credit or no credit history can get approved within minutes based on income and employment stability. This service includes late-model used cars with flexible payment terms and access to credit rebuilding through Experian reporting.
Used Car Sales
We offer a diverse inventory of late-model, low-mileage used vehicles from brands like Chevrolet, BMW, and Cadillac. All vehicles undergo thorough inspections to ensure reliability. Our selection includes luxury models and mainstream brands with options starting at $500 down payments and available financing.
In-House Financing
Our in-house financing eliminates traditional credit score requirements. Approvals focus on current income and residency stability, with bi-weekly payment options and no driver's license requirements. This service helps customers establish or rebuild credit through Experian reporting while providing immediate vehicle access.
Vehicle Warranties
Most vehicles include a 2-year/24,000-mile limited warranty for peace of mind. Warranties cover major mechanical components and are detailed on each vehicle's page. This service ensures customers receive reliable transportation with protection against unexpected repair costs.
Credit Rebuilding Assistance
We help customers improve credit scores through consistent payment reporting to Experian. This service tracks timely payments on financed vehicles, providing a pathway to better credit without requiring initial good credit. Customers receive ongoing support to maintain payment schedules.
Questions
What is Buy Here Pay Here financing?
Our Buy Here Pay Here program provides direct vehicle financing without third-party banks, making it easier for customers with less-than-perfect credit to get approved.
Do I need good credit to buy a car here?
No, we specialize in helping individuals with bad credit or no credit by focusing on income and employment stability instead of credit scores.
What documents are required for application?
You'll need a government-issued photo ID, proof of income, and proof of residence within 60 miles of DFW for the application process.
How long does approval take?
Most customers receive approval within minutes through our streamlined in-house financing process.
Do you offer warranties?
Yes, we provide a 2-year or 24,000-mile limited warranty on most vehicles to ensure customer protection.
Can I return my vehicle if unsatisfied?
We offer a 3-day money-back guarantee, allowing customers to return vehicles for a complete refund.
Videos
