Meet Pat Neal —
your sales consultant at Auto City Credit.
I'm a sales consultant at Auto City Credit on Highway 175 in Dallas. I don't own the dealership — I'm the person folks in southern Dallas ask for by name when the big lenders slam the door. When the bank says no, I open the gate, and the on-time payment history I help you build rebuilds your financial life.
Pat Neal
Sales Consultant · 21+ years
"I don't sell cars. I sell second chances."
I grew up watching good, hardworking people get turned away from car lots because of a number on a page. A medical bill. A divorce. A stretch of bad luck. I decided early on that my career would be about fixing that — one family at a time.
For over twenty-one years I've done exactly that as a sales consultant at Auto City Credit. I've helped thousands of people across the Dallas area get into reliable vehicles when no one else would give them a chance. But I didn't stop at the keys. I work with a dealership that reports every on-time payment to the credit bureaus — so the car that gets someone to work also rebuilds the credit that was holding them back.
Today I'm still on the lot on Highway 175, still answering the phone myself, and still treating every customer like a neighbor. Because here, that's exactly what you are.
The Pat Neal way
People Over Scores
I look at your whole situation — your job, your budget, your life — not just a three-digit number.
Honest Numbers
No hidden fees, no surprises at signing. I walk you through every line before you commit.
Credit That Grows
We report on-time payments to the credit bureaus, so your loan is an investment in your future.
21+ Years Trusted
Two decades of Dallas-area families sending their friends and relatives to ask for me by name.
Two decades of getting folks rolling
2005
Pat starts in auto sales, quickly finding her calling helping credit-challenged buyers.
2000s
Builds a reputation across southern Dallas as the rep who says 'yes' when others say 'no'.
2015
Becomes a top salesperson at Auto City Credit and helps customers build credit with reported on-time payments.
Today
Still on the lot on Hwy 175 every day, still answering the phone herself, still getting folks rolling.
Come say hello on Hwy 175
6575 CF Hawn Fwy, Dallas, TX 75217. Ask for Pat Neal.
Visit Auto City
- 6575 CF Hawn Fwy
Dallas, TX 75217 - Text (945) 349-5181
- Call (945) 349-5181
- Mon–Fri 9am–7pm · Sat 9am–6pm · Sun Closed
- Official site: autocitycredit.com
Let's get you rolling
Apply online or text me — I reply myself most days.
"Everyone deserves a reliable way to get to work. That's not a credit score conversation — that's a human one."
— Pat Neal
Let Pat help you get rolling