Pat NealGets You Rolling at Auto City · Hwy 175 Dallas
Bad Credit Car Loans · Dallas, TX

Bad Credit Car Loans in Dallas — Ask for Pat Neal

Bad credit, no credit, first-time buyer, or a past repossession — you can still get a car loan. I'm Pat Neal, a sales consultant at Auto City Credit on Highway 175, and I help Dallas drivers the banks turn away get approved with in-house financing.

Text (945) 349-5181 Call (945) 349-5181
Your Options

Financing for every kind of credit

Because Auto City Credit holds the loan ourselves, we don't have to follow a bank's credit-score rules. Here's who I help most often:

Bad credit

A low score from medical bills, divorce, or missed payments doesn't disqualify you. We approve on income, not your score.

No credit

First-time buyer with no credit history? We can still get you approved and help you start building credit from scratch.

Past repossession

A repo in your past isn't an automatic no. Tell me what happened and let's find a payment that works.

How approval works here

At a bank, a computer looks at your credit score and usually says no. Here, I sit down with you, look at your income and your down payment, and we figure out a monthly payment that fits your life. If you can afford the payment, you're approved — no minimum credit score required.

There's no hard credit pull to get started, and you don't need a co-signer. Down payments start at $1,500, and most folks get an answer the same day. The best part: every on-time payment is reported to the credit bureaus, so the car that gets you to work also rebuilds the credit that was holding you back.

What to bring

  • Valid photo ID (driver's license or state ID)
  • Proof of income (pay stubs, bank statements, or benefit letters)
  • Proof of residence (utility bill, lease, or mail with your address)
  • Your down payment (starting at $1,500)

Find us on Hwy 175

6575 CF Hawn Fwy, Dallas, TX 75217. Ask for Pat Neal.

Visit Auto City

Let's get you approved

Apply online or text me — I reply myself most days.

Apply Online Text Pat

Your credit doesn't define you here

Bad credit or no credit is welcome at Auto City Credit. Ask for Pat Neal and let's find a payment that works.

Apply Online Call (945) 349-5181