Dec. 7, 2022

How Financing a Used Car at MCMC Auto Works

Get 100% approved online and know your down payment and all used car options in minutes. Our process from filling out an application to driving off the lot is fast, transparent and puts you in the driver's seat.

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Buying a used car can be surprisingly difficult. MCMC has been helping Dallas Fort Worth customers since 1969. We make getting approved easy and flexible—we specialize in helping North Texas residents with bad credit, no credit or less than perfect credit . Our application is online 24/7, and representatives are available to help over the phone from 9am to 6pm on weekdays and 9am to 5pm on Saturdays.

Here’s a step-by-step overview of our process:

  1. Start by filling out the form at, or give us a call at (817) 769-3040. Either way, your application will be quick and convenient:
    1. Start by telling us your name, email, and phone number. By clicking “Submit”, you consent for MCMC and other parties to contact you via telephone, email, and text message.
    2. After you submit the inquiry, we will text and email you an invitation link to create a profile with us. You can also click the BIG GREEN BUTTON (BGB) to immediately start your application for vehicle financing. This MCMC Auto Garage profile will allow you to complete an application online so you can know your exact down payment and all vehicle options before arriving at one of our 4 buy here pay here locations. You will receive this invitation instantly - click the link, create an account and complete the application in minutes..
  2. Click on your invite link in your text or email inbox and create an account using your email and unique password. Our 6-step application can be complete in minutes:
    1. Step 1: Personal Information: including name, contact information, date of birth, and your SSN;
    2. Step 2: Residence Information: address, how long you have been at that address, and tenancy arrangement;
    3. Step 3: Employment Information: income, employment status, and employer (if applicable);
    4. Step 4: Financial details: Desired down payment amount, if you would like to trade in another vehicle, and the vehicle’s information;
    5. Step 5: Upload Documents: Identification (DL, ID, Passport, etc); and proof of income (check stub, bank statement, etc)
    6. Step 6: Finish Up: Add a Co-applicant (optional), review our disclaimer and terms and conditions for applying, and submit your application.
  3. You can check back at any time to see the status of your application as we work on it.
  4. Applications submitted during normal business hours are processed immediately. The final step in our approval process is to complete a quick phone interview with you. Once we have gone over your application and confirmed your details, we will give you our decision. If approved, we will schedule you for a vehicle selection appointment at your nearest MCMC buy here pay here dealership. Applications submitted outside of normal business hours will be processed promptly on the next business day.
  5. I was approved online - what do I need to bring with me to the dealership? Bring your identification on the day of your appointment. If you have any outstanding stipulations to finalize your approval (for example: proof of income such as a check stub or bank statement, or proof of mail) bring the most recent copies of those with you. A Finance Specialist will sit down with you to better understand your car needs and budget, and explain any financing details such as our extended service contract options. We will then help you select a vehicle that matches your approval, budget and needs..

This smooth and friendly process helps us get to know your needs so we can provide the right car with the right payments for you. Our goal is to provide a transparent, easy and fast process for our customers.


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