Challenged credit?
I get you rolling.
Pat Neal is the top salesperson at Auto City — your buy-here-pay-here dealership in the DFW metroplex. She'll finance you in-house, hand you the keys, and report every on-time payment — so the car that gets you to work also rebuilds your credit.
More than a car loan. A fresh start.
We're not a bank — we're your neighbors. For over 21 years Pat Neal has been Auto City's top salesperson, helping folks the big lenders turn away get reliable transportation and a stronger financial future.
We Build Your Credit
Every on-time payment is reported to the credit bureaus — so your loan helps rebuild your score as you drive.
In-House Financing
Buy here, pay here means we finance you directly. No bank approval needed — we look at your situation, not just a score.
Quality Inspected
Every vehicle on our lot passes a multi-point safety inspection before it ever gets a price tag. Drive off with confidence.
Fast Approval
Get pre-qualified in minutes. Down payments starting low, terms that fit your budget, and you can drive home the same day.
Your on-time payments become your comeback.
Most buy-here-pay-here lots keep your payments a secret from the credit bureaus. Not us. We report every single on-time payment — turning your monthly car payment into real credit history that opens doors later.
- On-time payments reported to the credit bureaus
- Payment history is the biggest factor in your score
- Free credit guidance with every loan
- No penalty for early payoff
Pat Neal
Top Salesperson · Auto City
Pat Neal has been getting folks rolling for 21+ years.
Pat doesn't own the dealership — she's the top salesperson at Auto City, and she's been the one folks in the DFW metroplex ask for by name for over three decades. She doesn't see a credit score — she sees a person who needs to get to work, pick up the kids, and build a life.
Her promise is simple: treat everyone with respect, be honest about the numbers, and make sure the car you drive home helps you — not just today, but on your credit report for years to come.
21+
Years experience
1,000s
Families helped
Yes
Credit reported
Four steps to the keys
Apply Online
Fill out our quick application — no Social Security number required to start.
Get Approved
Pat reviews your situation and matches you with a vehicle and payment that fits.
Drive Home
Sign, pay your down payment, and roll off the lot — often the very same day.
Build Credit
Each on-time payment is reported to the bureaus, rebuilding your credit month by month.
Folks we've helped get rolling
"After my divorce my credit was wrecked. Pat got me into a reliable truck and a year later my score is up 90 points. She's the real deal."
"I'd been turned down everywhere. Pat said yes, treated me with respect, and now I have a car AND better credit. Life-changing."
"Pat found us a family SUV with a payment we could actually afford. The credit reporting has helped us qualify for our first home."
*Average credit score improvement varies by individual. Testimonials reflect personal experiences.
Ready to get rolling?
Apply in minutes, get approved fast, and drive home today. Challenged credit is welcome here.