Auto CreditOF AMERICA
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OUR MISSION
We exist to get families on the road.
Too many hardworking people get turned away from a car they need because of a number they're already working to fix. We built Auto Credit of America to change that — by connecting people directly to dealerships that can actually help.
Why we send letters
Car shopping with imperfect credit usually means filling out applications at dealership after dealership, taking hard inquiry after hard inquiry, and hoping someone says yes. We flipped that around. We identify people who already satisfy pre-qualification criteria, match each one to a single trusted dealership near them, and send a personal invitation in the mail — so the yes is waiting before you ever walk in.
Our participating dealerships are chosen for their inventory, their lending partnerships across the full credit spectrum, and their willingness to treat every customer like a buyer — not a credit score. When you walk in with our letter, you're expected, respected, and already halfway home.
What we stand for
Respect first
No judgment about the past. No pressure about the future. Ever.
Plain terms
Soft vs. hard inquiry, pre-qualified vs. approved — we explain it all up front, in English.
Your data is yours
Shared with exactly one party — your matched dealership. Never sold, never shopped around.
Real people behind every letter
Questions at any step? Write to help@autocreditofamerica.com and a real person answers — fast.
RESPONSIBLE BY DESIGN
Auto Credit of America operates in accordance with the Equal Credit Opportunity Act and the Fair Credit Reporting Act. We are not a direct lender; financing is provided by participating dealerships and their lending partners. Pre-qualification is not a guarantee of financing. NMLS #000000.
Got a letter? Let's go.
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.
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© 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. You can opt out of prescreened offers of credit by calling 1-888-567-8688.