Buy Here Pay Here in Dallas — Ask for Pat Neal
"Buy here, pay here" means you buy the car from Auto City Credit and make your payments to us directly — no outside bank in the middle. I'm Pat Neal, a sales consultant here on Highway 175, and I help Dallas drivers with bad credit or no credit get approved based on income, not a credit score.
What is buy-here-pay-here?
At a traditional dealership, you pick a car and they send your application to a bank or credit union. The bank decides whether to approve you based on your credit score, and you make payments to the bank. If your credit is rough, the bank usually says no.
Buy-here-pay-here is different. Auto City Credit owns the car and holds the loan. We make the lending decision ourselves, so there's no outside bank and no hard credit pull to get started. We look at your income, your down payment, and your real situation. If the monthly payment fits your budget, you're approved.
That's why buy-here-pay-here is a good fit for people with bad credit, no credit, first-time buyers, or a past repossession — the kind of buyers the big lenders turn away. And because we report every on-time payment to the credit bureaus, your loan helps rebuild your credit as you drive.
Who buy-here-pay-here helps
- Buyers with bad credit or a low credit score
- Buyers with no credit history or first-time buyers
- Buyers with a past repossession or bankruptcy
- Self-employed buyers with income but thin credit files
- Anyone who's been turned down by a bank or credit union
What to bring
To get approved the same day, bring these four things to the lot on Highway 175:
Valid ID
A driver's license or state-issued photo ID.
Proof of income
Recent pay stubs, bank statements, or benefit letters showing your income.
Proof of residence
A utility bill, lease, or mail with your name and current address.
Down payment
Down payments start at $1,500. The more you put down, the lower your monthly payment.
Tip from Pat: Text me before you come so I can have your paperwork started. Same-day approval is common, and you can often drive home the same day.
Visit the lot on Hwy 175
We're at 6575 CF Hawn Fwy, Dallas, TX 75217. Ask for Pat Neal when you arrive.
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
Ready to get approved?
Apply online in minutes, or text me directly — I reply myself most days.
Get rolling with buy-here-pay-here today
No bank, no credit score minimum, same-day approval. Ask for Pat Neal at Auto City Credit.