How It Works and What to Bring

Mi Tierra Auto Sales

Mi Tierra Auto Sales – Where Everyone Drives Away Happy!

At Mi Tierra Auto Sales, we believe that everyone deserves a reliable vehicle. Whether you have good credit, bad credit, or no credit at all, our in-house financing options make it easier than ever to get approved and on the road. With the flexibility to work with a wide range of financial situations, we’re proud to say YES when others say no. Below, you’ll find everything you need to know about how our process works, what to bring with you, and how we make car buying simple and stress-free. Learn more below, and then call us today to find your perfect ride!

  • How does your process work?

    At Mi Tierra Auto Sales we’ve helped thousands of customers with their auto finance needs. No matter your credit score or credit history, WE CAN FINANCE YOU! Our financial partner Portfolio Financial of Texas, Inc. allows us to say YES. Unlike many of our competitors, we the dealer are financing you in-house. This means we are the bank and we decide who gets approved. Here are some frequently asked questions and answers explaining things:

  • What are the minimum requirements to get approved?

    Customers must have a valid driver’s license, provable monthly income, and live within 60 miles of one of our locations. However, every situation is looked at uniquely so feel free to contact us to discuss your options.

  • What should I bring?

    To expedite your vehicle purchase, we recommend you bring as many of the following documents as you have available:


    • Valid TX DL
    • Current Check Stubs
    • Current Utility Bills with Name and Address on them
    • 2 Months Bank Statements if Available, or Proof of Income
    • Copy of lease

  • I have been turned down at so many other places how can you approve me?

    We set the financing criteria so we have a lot more flexibility in getting you approved than a typical lending bank. Bad Credit, No Credit, Repos, Bankruptcies, Fixed Income — we can help!

  • Do I need a huge down payment?

    No, we have down payments to fit every budget.

  • I have trouble proving my income, is that a problem?

    We have a lot more flexibility in income verification. Call us and see what documents you can bring to replace a paystub.

  • Can I get approved if I have no credit established?

    Yes! This is a great place to get your credit established.