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Alisha Hesselsweet
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My experience with Auto credit USA was the absolute best experience from start to finish. They are all so down to earth and just AMAZING people all around.
Nicki Niemann
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I am very pleased with my new suv Andre is awesome at helping you find the right vehicle for you!! highly recommend to all my friends
Mannie Fresco
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Auto Credit USA, great environment. Nice people and they work hard to help you get what you need!.
Jr Soto
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Andre made sure I got what I was looking for and made everything easy. Good place good people very convenient good timing and reasonable prices
Cassie Jackson
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Jeremy was super helpful and personable. He made sure to get me in a car I wanted.
Nidia Lima
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Quincy was my sales person...Great customer service, he was helpful and had alot of patience!..Overall everyone was very friendly!..
Leilani Amõr
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Jeremy helped me get into a new vehicle after my accident. Didn’t take long at all and very respectful an polite. I would definitely go back again. Thanks so much
Victoria Mowery
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great place to purchase a new car. team there was great so glad I decided to go there. Thank you Jeremy and team.
Tray Bright
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Great Customer Service and Absolutely fast financing from Quincy Myatt.Highly Recommend this place.
Julian Andreas Sanders-Watkins
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Quincy was my sales rep. He was very helpful in getting me into a new vehicle. I appreciated it a lot.
Arielle Garcia
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Very friendly, pretty much work with anyone’s situation. Great deals . I would definitely come back again for another vehicle.
Kimberly N David Rogers
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they helped me get my mom in a car and also helped when the car needed fixed they are good people

Your #1 Buy Here Pay Here Destination in Indiana and Ohio!

With over 25 years of industry experience, Auto Credit USA stands as your trusted and reliable BHPH dealership in Indiana and Ohio. We are dedicated to providing a hassle-free and rewarding car buying experience, especially for individuals facing credit challenges. Whether you have poor credit or no credit, we are here to secure financing for quality vehicles at fair prices.

What sets us apart from other Buy Here Pay Here dealers is our unwavering commitment to customer satisfaction. Every vehicle in our inventory undergoes rigorous servicing by ASE Certified Mechanics before it’s offered for sale. Plus, our comprehensive 36-month/36,000-mile service contract adds extra value to our already fully serviced vehicles. But beyond that, we treat each customer with the respect and dignity they deserve.

At Auto Credit USA, we understand that reliable transportation is crucial, regardless of your credit history. Our experienced team specializes in tailoring flexible financing options to your unique situation, ensuring that everyone has the opportunity to drive away in a quality used vehicle. We are here to turn your car ownership dreams into reality. Our friendly and knowledgeable staff will guide you through the entire car buying process, making it transparent, stress-free, and enjoyable.

Discover the Auto Credit USA difference and let us help you overcome credit challenges. Say goodbye to credit rejections and embrace the opportunity to drive away in the car you deserve. Visit our dealership today and experience why we are the top choice for car buyers in Indiana and Ohio, regardless of credit history.

We're experts in helping clients facing tough situations, such as:

Choose Auto Credit USA for Reliable Financing and Unmatched Customer Service

Frequently Asked Questions

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.

Meticulously Selected Inventory

We Get Almost Everyone Approved

No Dealer or Loan Origination Fees

Great Referral Program

36 Month, 36K Mile limited powertrain Service Contract

We Reward Your Progress

Committed To Helping People Obtain Financing

Service Contract

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Refer A Friend and Unlock Rewards!

Unleash Rewards with Our Exciting Referral Program! Spread the Word about Auto Credit USA to Friends, Family, or Co-Workers, and Earn Cold Hard Cash! There’s No Cap on Your Referrals, and Earning is Effortless. Get in touch with us today to uncover the thrilling details of our referral program and kickstart your earnings!


Experience Automotive Excellence at Auto Credit USA’s State-of-the-Art Service Center. Schedule an Appointment Today and Entrust Your Vehicle to Our Skilled Technicians. From Routine Maintenance to Complex Repairs, We’ll Keep Your Car Running Smoothly. Contact us now and Discover the Difference of our Professional Service Center.

auto credit usa service center

Visit Auto Credit USA in One of Our Four Locations

Fort Wayne Location

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Columbia City

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Warsaw Location

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Toledo Location

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Buy Here Pay Here

Auto Credit USA Your Trusted BHPH Dealership for more than 25 years

Experience Unmatched Service and Satisfaction at Auto Credit USA, where our unwavering commitment to exceptional customer service ensures your utmost satisfaction. With our extensive expertise in the automotive industry and a dedicated focus on meeting your needs, we consistently strive to surpass your expectations at every step.

At Auto Credit USA, we take great pride in offering a comprehensive range of services that go beyond mere vehicle sales. Our team of knowledgeable automotive experts is here to provide personalized assistance and tailored solutions throughout your car buying journey, ensuring a seamless and enjoyable experience.

From helping you find the perfect vehicle to securing financing options that align with your budget, our experienced professionals are dedicated to helping you make informed decisions. We recognize that every customer is unique, and our goal is to deliver customized solutions that address your specific requirements and circumstances.

Regardless of your credit history, our team of finance specialists will work tirelessly to secure the best available financing options for you. With our in-house financing capabilities, we have the flexibility to design a loan package that suits your financial goals, granting you the opportunity to drive away in the vehicle of your dreams.

Visit Auto Credit USA today and unlock an unparalleled level of service and satisfaction. Let us demonstrate our unwavering commitment to your automotive needs and show you why we are the preferred choice for customers in Fort Wayne, Columbia City, Warsaw, and Toledo. Contact us now and experience firsthand the Auto Credit USA difference.