YOU'VE BEEN INVITED
Your next car is already waiting for you.
Your letter means you've already been selected — this offer isn't available to everyone. Enter your code to see what's been reserved in your name.
INVITATION CODE — FROM YOUR LETTER
Secure my offer →
Secure & confidential. Checking your offer never affects your credit score.
No impact to your credit score
All credit situations welcome
Know where you stand in minutes
HOW IT WORKS
Three easy steps from your mailbox to the driver's seat.
1
Enter your code
Find the 9-digit Invitation Code printed near your name on your letter and enter it here.
2
Verify with a quick text
Confirm it's you and we'll text a 6-digit code to your phone. No calls, no paperwork — and no impact to your credit score.
3
See your range & drive
The moment you're verified, your pre-qualified loan range is revealed. Bring your letter to your dealership and drive home.
ALL CREDIT WELCOME
Every credit story deserves a road forward.
Great credit, rebuilding, starting fresh, or coming back from a hard chapter — our participating dealerships work with real people, not just numbers. On-time payments can even help you re-establish your credit.**
Strong credit
Rebuilding credit
First-time buyers
Bankruptcy & repossession
WE DO THE MATCHING
One letter. One local dealership, already expecting you.
Before your invitation ever reached your mailbox, we matched you with a dealership in our network near you — one with the inventory and financing partners to work with your situation. No shopping your application around. No surprises at the desk.
Enter my invitation code →
Common questions
Will checking my offer hurt my credit score?+
No. Viewing your invitation uses a soft inquiry, which never affects your credit score. A hard inquiry only happens later, if you decide to complete a credit application at the dealership.
Is Auto Credit of America the lender?+
We're the connector, not the lender. We match you with a participating dealership whose financing partners can work with your credit situation. All financing decisions are made by the dealership and its lenders.
What if my credit isn't great?+
That's exactly who we built this for. Our dealerships work with all credit situations — rebuilding, first-time buyers, even past bankruptcy or repossession — and on-time payments can help you re-establish credit.**
I lost my letter. Can I still use my invitation?+
Yes — email help@autocreditofamerica.com and we'll locate your invitation after verifying your identity.
Your invitation is waiting.
It takes about two minutes, and it will never affect your credit score.
Enter my invitation code →
Auto Credit of America
We connect invited customers with trusted local dealerships that work with every credit situation — and get families on the road.
Checking your offer never affects your credit score.
© 2026 Auto Credit of America. All rights reserved. · NMLS #000000
Auto Credit of America is not a direct lender. Financing is provided by participating dealerships.
*Pre-qualification is based on information from your credit profile and is not a guarantee of financing; it is not a financing application. All financing decisions are made by the participating dealership and its lenders. **On-time payment history may be reported to credit bureaus by the dealership's lenders. You can opt out of prescreened offers of credit by calling 1-888-567-8688.