American Car Center

We love finding creative solutions to our customers' credit challenges. If you have a job but your credit isn't great, just bring us your paystub and we'll do everything we can to get you approved.

Sure thing! All leases with American Car Center come with an up to 3 year 36,000 mile limited powertrain warranty. This means American Car Center will repair or replace covered internal engine or transmission parts if they fail within 3 years or 36,000 miles after leasing the vehicle. Keep in mind, not every car leased will be covered for 3 years/36,000 miles. If you select a car with higher mileage, the warranty may only extended to 2 years/24,000 miles or less.

As you know, you can only lease vehicles from ACC. At the end of your lease you have 3 primary options. o You can just turn the car in and walk away. o You can trade up to a newer car and start a new lease o You can buy the car outright with a few additional residual payments. This is the lease to own option. The residual payments will typically be an additional 8-12 months of payments, but this will depend on various factors. Once those payments are made, the car is yours!

CheckFreePay is a simple, convenient way for you to pay your monthly payment with cash. Just bring your bill to the nearest CheckFreePay location, pay in cash, and you'll receive a receipt as proof of payment. If you re not sure where a CheckFreePay is located near you contact your dealership.

Absolutely! With any ACC lease we include oil changes for up to 3 years, typically totaling 2 per year. Make sure to take advantage of this complementary benefit to help keep your car running in tip top shape!

We make it easy and affordable to maintain your vehicle. All customer vehicles include oil changes for up to 3 years!

We re credit experts and partnering with good people with credit problems is our focus and passion. While we can t guarantee credit approval, there s a very good chance we can get you approved.

We do not carry trucks, but we do have a wide variety of sedans and small SUVs. You can browse our full inventory at AmericanCarCenter.com

No, you must have a valid driver s license from your resident state. Your driver s license will also assist with the title and registration. If you do not have a driver's license, visit the Department of Motor Vehicles for information on how to obtain one.

You must use documents dated within the last 30 days that can support your stated income. These can be your most recent paystub with year-to-date income, bank statements, Social Security Award letters, retirement statements, tax returns and W-2s.

You will need a valid driver s license, proof of income, and proof of residence.

Yes, we accept trade-ins under certain conditions. Contact your local ACC dealership to see if your car is eligible for a trade-in.

Yes, we report our customers credit to Equifax.

An increase in the down payment can certainly help reduce your payment.

Yes, we will access your credit report to use in our underwriting process. Access to your credit report will reflect as an inquiry by American Car Center.

Payment terms can be customized to meet your pay schedule. They can be bi-weekly, semi-monthly, or monthly.

Down payments vary based on several factors, such as the year, make, and model of the car you select, your income, prior credit history, and the amount you are comfortable putting down. We also offer a Down Payment Assistance Program if needed.