FINANCING
Every credit story is welcome here.
Our participating dealerships and their lending partners look at the whole picture — your income, your stability, your goals — not just a number. We'll work to get you the lowest rate possible for your situation.**
Strong credit
You've earned options. Your invitation gets you competitive terms, fast — with your paperwork largely done before you arrive at the dealership.
Rebuilding credit
A rough patch doesn't define you. Our dealers work with lenders who specialize in second chances — and on-time payments can help re-establish your credit.**
First-time buyers
No credit history? That's not a dead end. Bring proof of steady income and residence, and your dealership can build a financing plan that starts your credit story right.
Bankruptcy or repossession
Discharged bankruptcy or a past repossession doesn't automatically disqualify you. Our dealerships handle these situations every day — respectfully, and without judgment.
WHAT YOU'LL NEED
Bring four things. That's the whole list.
Your invitation letter
A valid driver's license
Proof of income — recent pay stubs or bank statements
Proof of residence — a recent utility bill works
STRAIGHT ANSWERS
The fine print, in plain English.
Soft inquiry vs. hard inquiry
Checking your invitation uses a soft inquiry — invisible to other lenders and harmless to your score. A hard inquiry only happens later, if you decide to submit a full credit application at the dealership. You'll always know before that happens.
Pre-qualification vs. approval
Your invitation means you pre-qualified based on your credit profile — it's a real head start, not a guarantee. Final approval and terms come from the dealership and its lenders once you verify income and choose a vehicle. We believe you should hear that plainly, up front.
Let's find out what you qualify for.
Two minutes. No impact to your credit score. No obligation.
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. Lowest-rate outcomes depend on individual circumstances. You can opt out of prescreened offers of credit by calling 1-888-567-8688.