Auto City
- Company typePrivate
- Founded1958
- HeadquartersDallas, United States
- Headcount51–100
- GTM typeB2C
- OfferingServices
Auto City firmographics
Firmographics- Name
- Auto City
- Legal name
- Auto City Credit
- Website
- https://autocitycredit.com
- Company type
- Private
- Founded year
- 1958
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Ownership category
- akta.pro rank
Auto City industry classification
Industry- Product category
- Used Car Dealership with In-House Financing
- NAICS
- Used Car Dealers (44112), Sales Financing (52222)
- SIC
- Retail-Auto Dealers & Gasoline Stations (5500), Personal Credit Institutions (6141)
- akta.pro industry
- New & Used Auto Purchase LoansAuto Loan Servicing & Collections
Keywords
Where Auto City is headquartered
LocationHeadquarters
- HQ city
- Dallas
- HQ country
- United States
- HQ region
- North America
Offices6 records
Markets served
Auto City business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Supply Chain, Operations, Personnel, Marketing or Sales, Infrastructure, Technology or R&D
Revenue model
- Vehicle Sales: Sale of quality used cars, trucks, and SUVs to credit-challenged customers. Inventory includes sedans, coupes, vans, SUVs, trucks, and luxury brands. Many vehicles are less than two years old.
- In-House Financing: As a Buy Here Pay Here dealer, Auto City Credit provides in-house financing directly to customers, serving as both the dealer and lender. They offer bi-weekly payment plans and report payment history to major credit bureaus to help customers rebuild credit.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Pay-as-you-go | Down payment requirement starting at $500 |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels4 records
Auto City product offering
Product offeringCore offering
Auto City Credit is a Buy Here Pay Here (BHPH) used car dealership operating in the Dallas-Fort Worth metroplex. The company sells quality pre-owned cars, trucks, SUVs, and vans while simultaneously acting as the in-house lender, providing financing directly to credit-challenged consumers who cannot obtain traditional bank loans. Sales are completed at six physical dealership locations, supported by online inventory browsing and a customer payment portal.
Product overview
Auto City Credit operates as a Buy Here Pay Here (BHPH) used car dealership offering a single integrated product combining in-house vehicle financing with used car sales. The core offering pairs their financing program with an extensive inventory of quality pre-owned vehicles. Additional value-add services include a Worry-Free Warranty (24-month/24,000-mile limited powertrain coverage), a Love It or Leave It vehicle exchange guarantee, and a credit-building program that reports payment history to credit bureaus. Customers access services through both physical dealership locations across the Dallas-Fort Worth area and a Customer Portal for online payments and support.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- Approval in as fast as 5 minutes
- +2 more outcomes
Companies that use Auto City
Customer profileNamed customers1 record
Segments2 records
Ideal customer profiles2 records
Auto City technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Auto City partnerships and signals
Strategic signalScale indicators4 records
Recent moves5 records
Expansion highlights4 records
Auto City competitors and assessment
Company assessmentDirect peers
- DriveTime: The largest dedicated Buy Here Pay Here used car dealer in the US, with over 140 locations nationwide. Directly comparable business model: in-house financing for subprime buyers, integrated dealer-lender operations, bi-weekly payments, and credit-building programs.
Broad incumbents
- CarMax: The largest used car retailer in the US with nationwide superstores and integrated financing. Comparable as a used vehicle retailer serving credit-spectrum customers, though CarMax primarily uses third-party finance partners rather than in-house lending like Auto City Credit.
- AutoNation: One of the largest US automotive retailers, with significant used vehicle and finance operations across multiple states. Comparable as a broad incumbent in used vehicle retailing with captive finance arms, though AutoNation skews prime-credit and franchised-new rather than BHPH subprime.
- Lithia Motors: Largest US automotive retailer by revenue, with aggressive store roll-up strategy and growing used car and Driveway financing operations. Comparable as a multi-location consolidator; relevant as a benchmark for what a scaled regional dealer roll-up looks like at exit.
Others
- Credit Acceptance Corporation: Subprime auto finance provider that partners with — rather than operates — used car dealers. Comparable because it sits in the same BHPH value chain, often financing the exact customer segment Auto City Credit serves; relevant as a potential capital partner or roll-up acquirer.
- KAR Auction Services (KAR Global): Wholesale used vehicle auction operator and adjuster. Adjacent rather than competing directly with Auto City Credit, but represents the upstream supply channel for BHPH dealer inventory and signals wholesale price dynamics that drive dealer floor-plan economics.
- Cox Automotive (Manheim): Largest wholesale auto auction company in the US (Manheim) plus Dealertrack, Kelley Blue Book, and Autotrader. Not a direct competitor, but the dominant upstream supplier and data provider that determines Auto City Credit's inventory acquisition costs and pricing benchmarks.
- Avis Budget Group: Major rental car fleet operator that, through its used vehicle disposal arm (AVIS BUDGET Car Sales and direct-to-consumer channels), sells late-model used cars into the same DFW market. Relevant as a competing supply channel for the used inventory that BHPH dealers rely on.
Emerging players
- Carvana: Online-first used car retailer with integrated financing and home delivery. Increasingly competing for the same subprime and near-prime buyers in DFW, with a more scalable digital funnel and growing same-day delivery footprint that threatens traditional BHPH dealers.
- Vroom: Online used car platform with integrated financing targeting value-oriented buyers. Competes for the same credit-challenged DFW customers via online channel; relevant as an indicator of where subprime buying behavior is migrating over time.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Auto City social profiles
Digital presenceAuto City financial estimates
Financial estimateRevenue estimate
Valuation estimate
Auto City leadership team
Management profileNumber of profiles
Auto City funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Auto City M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Auto City
What does Auto City do?
Auto City Credit is a Buy Here Pay Here (BHPH) used car dealership operating in the Dallas-Fort Worth metroplex. The company sells quality pre-owned cars, trucks, SUVs, and vans while simultaneously acting as the in-house lender, providing financing directly to credit-challenged consumers who cannot obtain traditional bank loans. Sales are completed at six physical dealership locations, supported by online inventory browsing and a customer payment portal.
Is Auto City a public or private company?
Auto City is a private company. It is classified as family owned and is currently operating.
When was Auto City founded?
Auto City was founded in 1958. It employs 51 to 100 people.
Where is Auto City based?
Auto City is headquartered in Dallas, United States, in the North America region.
How does Auto City make money?
Two revenue lines are on record. Vehicle Sales are the primary driver. The others are in-House Financing.
Who are Auto City's main competitors?
DriveTime is listed as a direct peer. Broad incumbents are CarMax, AutoNation and Lithia Motors. Others are Credit Acceptance Corporation, KAR Auction Services (KAR Global), Cox Automotive (Manheim) and Avis Budget Group. Emerging players are Carvana and Vroom.
Does Auto City have an API?
No public API is recorded for Auto City.
What industry is Auto City in?
Auto City's product category is Used Car Dealership with In-House Financing. Its primary akta.pro industry code is FSAKADAA, New & Used Auto Purchase Loans, with a secondary code of FSAKADAK, Auto Loan Servicing & Collections. Its NAICS code is 44112 and its SIC code is 5500.