Buy Here Pay Here at Auto City Credit

What is Buy Here Pay Here?

At Auto City Credit, our Buy Here Pay Here (BHPH) program provides a fast and simple way for people with bad credit, no credit, or past financial struggles to finance a vehicle. Unlike traditional dealerships that rely on third-party banks or lenders, we are both the dealer and the lender. This gives us the flexibility to offer in-house financing, ensuring you can drive off the lot with a car the same day you’re approved.

Why Choose Our Buy Here Pay Here Dealership?

  • Fast Approvals: Get approved quickly, often within minutes, without the long waits or complicated paperwork of traditional financing.
  • Flexible Financing: We cater to all credit types, basing your financing terms on your income and ability to pay, not on your credit score.
  • Large Inventory: We offer a wide variety of used cars, including sedans, SUVs, and trucks, across our Dallas-Fort Worth locations, with options for every lifestyle and need.

Buy Here Pay Here vs. Traditional Dealerships

The key difference between Buy Here Pay Here dealerships and traditional car dealers is the financing process. At traditional dealerships, customers often need good credit to qualify for a loan from a bank or other financial institution. This can be challenging for individuals with less-than-perfect credit histories, leading to higher interest rates or outright denials.

In contrast, a BHPH used car dealership like Auto City Credit finances your purchase directly. This not only speeds up the process but also makes vehicle ownership more accessible for those with bad credit or no credit at all. Instead of focusing on your credit score, we consider your job and income as the key factors, making it easier for you to secure used car financing and get back on the road quickly.

Your Job is Your Credit

At Auto City Credit, we understand that everyone’s financial situation is different. That’s why we believe that your job is your credit. Whether you’re rebuilding your credit or just starting out, our program helps you purchase a reliable vehicle, often with flexible payment terms that fit your budget. We offer quality used cars, many of which come with warranties so that you can drive with peace of mind.

Visit Auto City Credit Today

Are you looking for a car dealer in Dallas who understands your credit challenges? Visit Auto City Credit and experience the difference of Buy Here Pay Here. Explore our inventory or apply online for fast, hassle-free approval today!