Frequently Asked Questions
We’re Here to Make Car Buying Simple
Whether you’re new to Buy Here Pay Here or just want to understand your options, you’ve come to the right place. Below, you’ll find answers to the most common questions about our approval process, payment options, warranty coverage, and more. Still have questions? Just ask — our team is ready to help.
Financing & Credit FAQs
Can I get approved with no credit or bad credit?
Yes! At Auto City Credit, we don’t base decisions on credit scores. We look at your stability — time at your job and residence — and approve most customers in minutes.
Will applying affect my credit score?
No. Applying at Auto City Credit will not impact your credit score.
How fast is the approval process?
Most approvals are completed within 5 minutes or less!
Do I need a down payment?
Down payments vary based on the vehicle and approval. We work hard to offer flexible options for every customer.
Payments & Customer Portal
How can I make a payment?
You can pay online via PayNearMe, over the phone, or in person. The Customer Portal allows 24/7 payments and account access.
Can I set up automatic payments?
Yes! Auto-pay can be activated through the portal for peace of mind.
What if I miss a payment?
Contact our support team right away — we’re here to help and can work with you.
How do I access the customer portal?
Visit our Make a Payment page for the secure portal link.
Vehicle & Warranty Questions
What kind of vehicles do you sell?
We specialize in late-model, low-mileage cars, trucks, SUVs, and luxury vehicles, most from 2018–2024 — many with warranties included.
Is there really a warranty included?
Yes! Most vehicles come with a 24-month / 24,000-mile limited powertrain warranty at no extra cost.
What does the limited warranty cover?
It covers key powertrain components like engine, transmission, and drive axle parts. Learn more on our Warranty Page.
Can I return my vehicle?
Yes — all eligible purchases come with a 3-day money-back guarantee.
Dealership & Location FAQs
Where is Auto City Credit located?
We have 3 locations: Dallas (C.F. Hawn Fwy), Southeast Dallas (Buckner Blvd), and Lancaster (I-35 E).
Can I visit without applying online first?
Absolutely. Walk-ins are welcome at all locations. You can also apply online and get pre-approved before you arrive.
Will you help me get to the dealership?
Yes! If you’re approved and need a ride, we’ll help you get here.
Still Have Questions?
We’re happy to walk you through every step of the process — no pressure, no credit judgment.
Frequently Asked Questions – Auto City Credit
Can I get approved for a car loan at Auto City Credit with bad or no credit?
No problem. Auto City Credit is a Buy Here Pay Here dealership in Dallas that offers in-house financing, so we don’t rely on banks or outside lenders. Whether you have bad credit, no credit, or a past financial issue, we can help you get approved easily.
What are the basic income and residency requirements to qualify for financing?
To qualify, you’ll need:
- At least one month at your current job
- A minimum income of $2,000 per month
- At least six months of residency within 60 miles of the Dallas–Fort Worth area
- A state or federally issued photo ID (driver’s license not required)
The best way to get started is to fill out our easy online application.
Does my credit score affect my chances of getting approved?
Not much. Whether your score is 415 or 715, we focus on job stability and residency. We’re more interested in helping you move forward than in your credit history. Our in-house financing works with a wide range of credit profiles.
Can I still get a car if I have a repossession or bankruptcy on my record?
Yes, we can work with credit challenges like repossessions, charge-offs, divorce, and older bankruptcies. Approval is not guaranteed, but we focus on your current stability and ability to pay. On-time payments with Auto City Credit can even help rebuild your credit.
How much are car payments at Auto City Credit?
Your payment depends on the vehicle price, your down payment, and your finance terms. Typically, bi-weekly payments range between $180 and $250. We work with you to ensure payments are affordable.
Do I have to live in the Dallas area to buy a car from you?
Yes, we require customers to live within 60 miles of Dallas–Fort Worth and have at least 6 months of residency to qualify for in-house financing.
Do your used cars come with a warranty?
Yes! We offer a 2-year/24,000-mile warranty on most of our vehicles — one of the best in Dallas. Specific warranty coverage can be found on each vehicle listing page on our site.
Do you offer a return policy if I change my mind?
Absolutely. We provide a 3-day Love It or Leave It Guarantee. If you’re not happy with your purchase, return the car within 3 days for a full refund or exchange it for a similar vehicle.
Can I buy a car without a driver’s license?
Yes, you can. We accept any valid state or federal photo ID — a driver’s license is not required to purchase a vehicle.
What do I need to apply for a car loan online?
Applying is fast and simple on your phone. No documents are required upfront. Just fill out our quick online application and one of our specialists will contact you.
Does applying affect my credit score?
No. We use a soft pull to verify your identity and review your profile. It does not impact your credit score.
What will I need to bring with me to drive off the lot?
Just your down payment. There are no hidden fees or surprise charges — what you bring is what you pay.
What documents are needed for approval?
- Proof of income (recent pay stubs, bank statements, or use our Income Verification Tool)
- Proof of residency (utility bill, lease, or official mail)
- Valid photo ID (Driver’s license, state ID, or passport)
Do I need car insurance before I drive off the lot?
Usually, no. You have 14 days to obtain your own coverage or choose our CPI coverage. Some high-value vehicles may require insurance upfront.
Benefits of CPI Coverage Include:
- Instant coverage
- No down payment
- $500 deductible
- No license required
No DMV check
What’s the minimum down payment required?
Many vehicles can be purchased with as little as $500 down. Down payments vary depending on the car and your application.
Does Auto City Credit report payments to the credit bureau?
Yes. We report to Experian, so your on-time payments can help improve your credit score.
Want to know more about buying a used car in Dallas with no credit? Apply now or visit one of our Buy Here Pay Here locations in Southeast Dallas, Arlington, or Lancaster TX.
While supplies last. Not all customers will be approved for this offer. Some incentives are only available to select or qualifying customers. Based on sales price of $17,995, 17.27% APR & 130 biweekly payments of $217.92. See dealer for offer and warranty details.
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