Experience hassle-free car financing with our Buy Here Pay Here (BHPH) option. Skip traditional lenders and make direct payments to us, unlocking a range of flexible financing solutions tailored to your needs. Discover the simplicity of BHPH financing as we guide you towards owning your dream vehicle.

First of all, you need to have a job that can be verified, and not be currently involved in a bankruptcy. You will need to present a valid driver’s license, 3 of your most recent paycheck stubs, a paid phone or utility bill, six references and a cash down payment. We value and respect your time, and with all these, you can drive away in about an hour. If you are not sure what does and does not qualify feel free to contact us, we are happy to answer any and all questions.

Our calculations are based on your income and all other financial obligations you may have. With that information, we can determine a payment schedule that fits your particular circumstances. That may be weekly, bi-weekly or another plan. Remember, we want to help you any way we can. Unlike traditional car dealerships and banks, we will work with you to examine your current situation and not your past mistakes. So we can figure out a payment plan that you can afford.

You can make a payment online by CLICKING HERE or you can call us at 260 408-5995

That depends on the price of the car and your existing credit score. A more significant down payment will always improve your chances of obtaining approval sooner. Not only that but with a larger down payment your car payments will be lower, and you have the possibility of paying your vehicle off sooner rather than later. If you are not sure about how much of a down payment you will need or what you can afford based on your monthly payments, give us a call and we will help you.

At Auto Credit USA: Drive your chosen vehicle home the same day! We understand your eagerness to hit the road in your new car, and we’re committed to providing a seamless and efficient process. In most cases, we can make it happen, ensuring you can start enjoying your vehicle right away.

At Auto Credit USA, we believe in providing financing options for all applicants, regardless of their credit history. Our comprehensive in-house process carefully considers your complete application and required documentation, allowing us to tailor a decision that perfectly fits your specific needs.

At Auto Credit USA, we understand that everyone’s financial situation is unique. While we may consider factors such as credit history, our main focus is on your overall ability to make payments and your current financial stability. We believe in providing opportunities for individuals with various credit backgrounds, including those with less-than-perfect credit. Our goal is to find flexible financing solutions tailored to your specific needs, so you can drive away in the vehicle you desire. Visit us today and let us help you get on the road to car ownership, regardless of your credit history.

While it can seem like a never-ending cycle for people with no credit, poor credit or even bad credit, there is a way to improve your credit score. With the help of our local lender, GCAC, we can definitely help you obtain financing as long as you meet your payment schedule. We report monthly to the Credit Bureau, and your repayment promptness is always noted.

At Auto Credit USA, we believe Buy Here Pay Here financing offers several advantages over traditional lenders. Firstly, we cater to individuals with challenging credit situations, including bad credit or no credit history. Instead of solely relying on credit scores, we assess your overall financial stability and focus on your ability to make payments.

Secondly, our Buy Here Pay Here financing provides a hassle-free and straightforward process. You can complete the entire financing at our dealership, eliminating the complexities of dealing with external lenders. This seamless approach allows us to work directly with you and find a financing solution tailored to your unique needs.

Experience the benefits of Buy Here Pay Here financing at Auto Credit USA, where we are dedicated to helping you get behind the wheel of the car you deserve.