Buy Here Pay Here Financing in Dallas & Watauga, TX
Fast Approvals at 1st Place Auto
How To Get Approved For Financing At First Place Auto
To get approved for car financing—especially with a Buy Here Pay Here or in-house dealership—you’ll typically need the following:
A government issued ID
Recent proof of income (such as pay stubs, bank statements, or award letters)
Proof of Texas residency (like a utility bill, lease agreement, or insurance document)
Down payment (cash, debit card, or money order accepted)
References (usually 5–8 personal or professional contacts)
Valid auto insurance or proof you can obtain coverage
Yes, you can. At 1st Place Auto, your credit score doesn’t define you. We specialize in working with people who’ve had:
Bad credit or no credit
Past repossessions
Bankruptcy
Limited credit history
We look at your current situation—not your past—and work hard to get you driving the car you need.
Not always. While having a job helps, we also accept alternative income like:
Social Security or Disability
Self-employment (with bank records)
Child support or alimony
Retirement or pension income
If you can show a steady source of income, we can usually help you get approved.
Yes—Texas law requires insurance, and we do too. You’ll need to show proof of insurance before you leave with your vehicle. If you don’t have coverage yet, we’ll help you find a provider so you can get insured the same day.
Yes! At 1st Place Auto, we work with customers who have either a Social Security Number (SSN) or an Individual Taxpayer Identification Number (ITIN). We’ll guide you through the process and let you know what documents are needed.
Our goal is to make it easy to get approved—even if your budget is tight. We offer flexible down payment options, often starting around $500–$1,000 depending on the vehicle and your income. Talk to our team—we’ll help you find a payment that fits.
In-House Auto Loans Designed for Real People with Real Credit Challenges
At 1st Place Auto, we understand that life happens. Maybe you’ve missed a few payments, had a repossession, or haven’t had the chance to build credit at all. That doesn’t mean you should be denied a reliable vehicle. Our Buy Here Pay Here (BHPH) financing program was created for people just like you—hardworking individuals who need a second chance and a car they can count on.
We’ve helped thousands of drivers throughout Dallas, Watauga, and the greater DFW area get approved through our in-house financing model, where we act as both the car dealer and the lender. That means no banks, no outside approval delays, and no judgment.
If you have proof of income and a desire to move forward, we’re ready to help—regardless of your credit score.
We’ve helped thousands of drivers throughout Dallas, Watauga, and the greater DFW area get approved through our in-house financing model, where we act as both the car dealer and the lender. That means no banks, no outside approval delays, and no judgment.
If you have proof of income and a desire to move forward, we’re ready to help—regardless of your credit score.
How It Works – Getting Approved at 1st Place Auto
Our goal is to get you into a quality used vehicle without making you jump through hoops. Here’s how our Buy Here Pay Here process works from start to finish:
Step 1
Bring your documents (ID, proof of income and address, insurance info, and down payment if applicable)
Step 2
Meet with our team at our Dallas or Watauga location for a short approval process
Step 3
Get matched with the right car and drive away the same day—often within one hour!
Our process is fast, friendly, and focused on you. We’re not here to judge—we’re here to help.
Visit Us In Person
Need help with the approval process? We have staff ready to assist!
Used Cars in Dallas, TX
