Easy Auto Financing
ITIN OK • Bad Credit OK • No Credit OK • Fast Approval
25+ years helping families in DFW get their vehicle
Visit Us Today for Your Approval!
Come to our store for fast in-person approval. Our team will help you through the entire process.
✓ In-person approval ✓ Personalized service ✓ Same-day response
At Rudy's Auto Sales, we believe everyone deserves access to reliable transportation, regardless of credit history or status. That's why we've developed financing programs designed to serve the entire Dallas and DFW community.
Our Financing Program
BHPH (Buy Here Pay Here)
Our in-house program allows you to finance directly with us. Ideal for building or rebuilding credit.
- ✓ Guaranteed approval*
- ✓ Bad credit accepted
- ✓ No credit accepted
- ✓ ITIN accepted
Yes, We Accept ITIN
You don't need a social security number (SSN) to get financing with us. Your ITIN (Individual Taxpayer Identification Number) is completely valid and accepted.
Thousands of families in DFW have gotten their vehicle with us using only their ITIN. We understand your situation and we're here to help you.
What do you need besides your ITIN?
- • Proof of income (pay stubs, bank statements)
- • Proof of address in DFW
- • 5 personal references
- • Auto insurance (or we help you get it)
Financing with Bad Credit or No Credit
We understand that life happens and credit can be affected by situations beyond your control: job loss, medical expenses, divorce, or simply being new to the country. We don't judge you by your past—we focus on your future.
Bad Credit
Low credit score—we work with you to help.
No Credit
New to the country or never had credit—we help you build it.
Build Credit
We report your payments to credit bureaus to improve your score.
Financing Process in 6 Steps
Fill out application
Complete our pre-approval application online or by phone. It only takes 5 minutes.
Gather documents
Prepare your ID/ITIN, proof of income, proof of address, and 5 personal references.
Credit review
We review your financial situation and credit. We work with multiple lenders to get you the best approval.
Approval
Receive your approval in minutes with clear and transparent financing terms.
Select your vehicle
Choose the vehicle that fits your budget from our verified inventory.
Sign and drive
Complete the paperwork, sign, and drive away in your new vehicle the same day.
Required Documents
To expedite your approval, bring the following documents when you visit us:
📋 Identification
- • TX driver's license
- • Consular ID card
- • Valid passport
- • ITIN (if you don't have SSN)
💵 Proof of Income
- • Last 2-3 pay stubs
- • Bank statements
- • Tax returns
- • Employment letter
🏠 Proof of Address
- • Utility bill
- • Lease agreement
- • Mortgage statement
- • Official document with your address
📞 References
- • 5 personal references
- • Full names
- • Phone numbers
- • Relationship to you
Frequently Asked Questions about Financing
Can I finance with ITIN without SSN?
Yes, we accept ITIN. You don't need a social security number to get financing with us.
What if I have bad credit?
We work with all types of credit. We have special programs for bad credit and help you build your credit history.
How much do I need for down payment?
Down payments range from $1,500 to $2,000 depending on the vehicle and your situation.
How long does approval take?
Most applications are approved in less than 30 minutes. You can drive away the same day.
What interest rates do you offer?
Rates vary based on your credit and the vehicle. We work to get you the best possible rate. Typical APR ranges from 9.99% to 24.99%*.
Do you offer refinancing?
Yes, we can help you refinance your current vehicle to get better terms or lower payments.
Do I need a co-signer?
Not always. Depending on your situation, you may qualify without a co-signer. We help you determine the best option.
Can I pay off my vehicle early without penalty?
Yes, we don't charge early payment penalties. You can pay off your loan whenever you want.
* Terms and Conditions:
- • APR and terms subject to credit approval
- • Monthly payments are estimates and may vary
- • Minimum down payment from $1,500
- • Prices do not include taxes, title, and registration
- • Interest rates vary by credit and vehicle
- • Guaranteed approval applies only to BHPH program with minimum down payment