Buy Here Pay Here Financing That Works for You
At Simple Auto in Dallas, we offer in-house Buy Here Pay Here financing designed around your life—not your credit history. From Garland to McKinney, drivers across the DFW area turn to us for a simple, supportive car buying experience.
In-House Car Financing with Real People Who Understand Real Life
Life doesn’t follow a credit score—and neither do we. With our Buy Here Pay Here program, you’re financing directly with us, not through banks or third-party lenders. That means more flexibility, faster approvals, and people who actually listen.
No Credit or Bad Credit? Pre-Approved.
At Simple Auto, we believe your credit past shouldn’t stop you from moving forward. That’s why we offer Buy Here Pay Here financing that’s based on your current income—not your credit score. Whether you’re building credit for the first time or bouncing back from challenges, we’ll work with you to get approved quickly and confidently.
Passports and Photo ID Accepted.
You don’t need a traditional driver’s license to get approved with us. We proudly work with the Hispanic community and other international buyers by accepting passports, matriculas, or government-issued photo IDs. Our goal is to make car ownership accessible—no matter your background or documentation.
Fast Decisions from Our Team—No Banks.
We keep things simple by handling everything in-house. That means you don’t have to wait for a bank’s approval or worry about third-party denials. Our team reviews your application on-site and can often give you an answer—and a set of keys—the very same day.
Don’t let past credit challenges hold you back. We make it easy to get moving.
Buy Here Pay Here Financing FAQs
No problem. Many of our customers have had credit setbacks, including repossessions. At Simple Auto, we look at your current situation, not your past. If you have steady income, we’ll work with you to get back on the road.
Absolutely. We proudly serve the Hispanic community and others who may not have a traditional driver’s license. We accept government-issued photo IDs, passports, and other valid identification.
While Simple Auto focuses on getting you approved regardless of credit history, we understand how important it is to move forward. In some cases, reporting payments can help you build your credit over time. Be sure to ask our team when you apply—we’ll walk you through how our Buy Here Pay Here program can not only get you driving, but also help you work toward a stronger financial future.
Buy Here Pay Here Financing FAQs
No problem. Many of our customers have had credit setbacks, including repossessions. At Simple Auto, we look at your current situation, not your past. If you have steady income, we’ll work with you to get back on the road.
Absolutely. We proudly serve the Hispanic community and others who may not have a traditional driver’s license. We accept government-issued photo IDs, passports, and other valid identification.
While Simple Auto focuses on getting you approved regardless of credit history, we understand how important it is to move forward. In some cases, reporting payments can help you build your credit over time. Be sure to ask our team when you apply—we’ll walk you through how our Buy Here Pay Here program can not only get you driving, but also help you work toward a stronger financial future.
How Simple Auto’s Buy Here Pay Here Process Works
Apply Online or In Person
Choose what’s easiest for you
We Review Your Application
We base approvals on your income and ability to pay—not your credit score
Drive Off Today
Choose your car and enjoy peace of mind
How Simple Auto’s Buy Here Pay Here Process Works
Step 1: Apply Online or In Person
Choose what’s easiest for you
Step 2: We Review Your Application
We base approvals on your income and ability to pay—not your credit score
Step 3: Drive Off Today
Choose your car and enjoy peace of mind
Why BHPH at Simple Auto Makes Sense
Traditional financing isn’t built for everyone. Our Buy Here Pay Here model is different. It’s made for real people, with real needs—like you.
- Approval Based on Income, Not Credit
- Flexible Payments for Real Life
- Low Down Payments Available
- Quick, Hassle-Free Application Process.
With us, it’s not just about selling cars—it’s about helping you build a better future, one payment at a time.
What to Bring When You Apply
We keep things simple, but you’ll want to have a few essentials ready. Here’s what we typically look for when you apply for in-house financing:
- Valid ID or Passport
- Proof of Income (Pay Stub, Bank Deposit, or Job Letter)
- Proof of Address (Utility Bill, Lease, etc.)
- Down Payment (Cash, Card, or Trade)
Questions about what counts as valid proof? Call us at (214) 321-6450—we’re here to help.
