GETTING APPROVED
What if I have poor credit, bankruptcy, repossessions, or a divorce?
We understand difficult life events can happen to anyone, and we believe your past shouldn’t determine your future. We work with and approve customers with challenged credit every day. At American Car Center, your job is your credit!
What if I don't have a job?
We consider most forms of income in our underwriting process, such as Social Security, Disability, and VA Benefits.
I had a previous repossession with American Car Center, but my finances are stable now. Can I qualify for another car?
We will consider any credit applications, including from previous customers.
How much of a down payment is required?
Down payments vary based on several factors, such as the year/make/model of the car you select, your income, stability, prior credit history, and how much money you are comfortable putting down. We also offer a Down Payment Assistance Program if needed.
How often do I have to make payments?
Payment terms can be customized to meet your pay schedule. They can be bi-weekly, semi-monthly, or monthly.
Do you do a credit check?
Yes, we will access your credit report to use in our underwriting process. Access to your credit report will reflect as an inquiry by American Car Center.
If I put more than $500 down, will I have a lower payment?
An increase in the down payment can certainly help reduce your payment.
Do you report to the Credit Bureau?
Yes, we report our customers’ credit to Equifax.
TRADE - INS
Do you accept trade-ins?
Yes, we accept trade-ins under certain conditions. Contact your local ACC dealership to see if your car is eligible for a trade-in.
PROCESS
What's the process for getting a vehicle?
To get started, you can complete this online form or apply in person at your nearest ACC dealership. You will need to provide a valid driver’s license, proof of income, and proof of residence. Once approved, you’ll work with one of our sales associates at the dealership to help pick out the best car for you.
What documents are required to get a vehicle?
You will need a valid driver’s license, proof of income, and proof of residence
What can I use as proof of income?
You must use documents dated within the last 30 days that can support your stated income. These can be your most recent paystub with year-to-date income, bank statements, Social Security Award letters, retirement statements, tax returns and W-2s.
What can I use as proof of residence?
You can use documents such as a utility bill, cell phone bill, pay stub, credit card, or bank statements dated within the last 30 days.
Do you accept any forms of identification other than a valid driver's license?
No, you must have a valid driver’s license from your resident state. Your driver’s license will also assist with the title and registration. If you do not have a driver's license, visit the Department of Motor Vehicles for information on how to obtain one.
INVENTORY
Do you have any trucks?
We do not carry trucks, but we do have a wide variety of sedans and small SUVs. You can browse our full inventory on our Inventory Page
What cars do you have available for a $500 down payment?
Your down payment will depend on more than just the vehicle you choose. It is also dependent on the transaction structure for which you are approved. To get specific information on your down payment, you can get started by filling out our online form or speaking to one of our sales associates at your nearest ACC dealership.