HOW IT WORKS
From mailbox to driveway in four easy steps.
Your letter isn't junk mail — it's a real invitation, matched to a real dealership near you, with financing partners ready to work with your credit situation.
Enter my invitation code →
1
Your invitation arrives
You receive a letter because you satisfied the criteria for pre-qualification.* It names your matched dealership, your offer amount, your expiration date — and your 9-digit Invitation Code, printed near your name.
2
Enter your code online
Visit this site and enter your code — the whole thing takes about two minutes. We verify your identity with a soft check that never touches your credit score.
3
Confirm your details
Confirm it's you, then tell us the best phone number and email to reach you. A financing specialist working with your dealership follows up within one business day — before you ever set foot on the lot, you'll know exactly where you stand.
4
Visit your dealership & drive home
Bring your letter and a valid photo ID. Your dealership will already be expecting you — pick the vehicle that fits your family and your budget, finalize financing, and drive it home.
YOUR LETTER, DECODED
Everything you need is already printed on it.
A
Invitation Code — the 9-digit number near your name. It's yours alone.B
Offer amount — the maximum financing your invitation covers, up to.*C
Expiration date — invitations are valid for a limited time, so don't wait.Built to protect you at every step.
Soft inquiry only
Viewing your invitation never affects your credit score. A hard inquiry happens only if you choose to apply at the dealership.
Encrypted end to end
Your information travels over 256-bit encryption, and we verify your identity before showing any offer details.
Never sold, never shopped
We share your information with exactly one party: your matched dealership. Nobody else. See our privacy policy.
Ready when you are.
Grab your letter — the whole thing takes about two minutes.
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. You can opt out of prescreened offers of credit by calling 1-888-567-8688.