Terms of Use

Last updated October 3, 2026

By using this website you agree to these terms. If you don't agree, please don't use the site.

What this site is

Auto Credit of America is a marketing program that connects consumers with participating automotive dealerships. We are not a lender or a broker. We don't make credit decisions, and we don't arrange, negotiate or guarantee financing. Nothing on this site is an offer of credit or a commitment to lend.

Financing

Any financing is provided by third-party lenders through the dealership. Approval, rates, down payment and terms depend on your complete credit application, verification of the information you provide, the vehicle you choose and each lender's criteria. Not everyone will qualify. Statements such as "every credit situation considered" mean your application will be reviewed — not that it will be approved.

Your information

You agree that the information you submit is accurate and is your own. How we handle it is described in our Privacy Policy.

Invitation Codes

Invitations are personal and may be limited to the dates printed on them. Don't attempt to guess or use Invitation Codes that aren't yours; we may block access that looks automated or abusive.

No warranties

The site is provided "as is". To the fullest extent allowed by law, we disclaim all warranties and are not liable for indirect or consequential damages arising from your use of the site.

Changes

We may update these terms. The date at the top shows when they last changed.