At North Texas Vehicle Exchange , we are here to make purchasing your vehicle as easy as possible. We have extensive relationships with many leading local & national lenders. We can help any level of credit, the good the bad and the ugly! We have competitive rates for upper tier credit customers and we have some of the best 2nd chance and 1st time buyer programs available. Give us a chance to use our banking relationships to get you the best rate or allow us to get you reestablished. Feel free to call if you wish to discuss your options prior to submitting your credit or if you just have questions 972 497 1106. Our finance staff understands the value of credit and they do not run your credit unnecessarily.