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We understand difficult life events can happen to anyone, and we believe your past shouldn’t determine your future. We work with and approve customers with challenged credit every day. At American Car Center, your job is your credit!

What if I have poor credit, bankruptcy, repossessions, or a divorce?

We consider most forms of income in our underwriting process - including Social Security, Disability, and VA Benefits.

What if I don’t have a job?

We will consider all credit applications, including those from previous customers, even if you've had a prior default.

I had a previous repossession with American Car Center, but my finances are stable now. Can I qualify for another car?

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.

How much of a down payment is required?

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

If I put more than $500 down, will I have a lower payment?

Yes, we report our customers’ credit to Equifax.

Do you report to the Credit Bureau?

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

How often do I have to make payments?

Yes, we accept child support as a form of income at ACC.  You will need to provide receipts of consistent support payments.

Is child support an acceptable form of income?

Your down payment will depend on more than just the vehicle you choose. It is also dependent upon your approved transaction structure. To get specific information on your down payment, you can get started by filling out our [online form](/get-approved) or speaking to one of our sales associates at your nearest ACC dealership.

What cars do you have for a $500 down payment?

Yes, we accept trade-ins under certain conditions.[Contact your local ACC dealership](/contact-us?formOpen=true) to see if your car is eligible for a trade-in.

Do you accept trade-ins? 

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

What documents are required to get a vehicle?

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.

What can I use as proof of income?

We do not carry trucks, but we do have a wide variety of sedans and small SUVs. You can browse our full inventory on our [Inventory Page](/shop).

Do you have any trucks? 

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](https://www.dmv.org/) for information on how to obtain one.

Valid Government Issued Picture Identification is acceptable for co-lessee, if they are not eligible to drive the vehicle and do not have a valid 
Driver’s License.

Do you accept any forms of identification other than a valid driver’s license?

To get started, you can complete this [online form](/get-approved)  or apply in person at your nearest ACC dealership. You will need to provide a valid driver’s license, proof of income, and proof of residence. Once approved, you’ll work with one of our sales associates at the dealership to help pick out the best car for you that meets your needs and your budget.

What’s the process of getting a vehicle?

You must be 18 years of age or older to lease a vehicle.  In the State of Alabama, the legal age is 19.

How old do you have to be to lease a vehicle?

You can use the following documents within the last 30 days for proof of residency: 

- Utility bill
- Cable bill
- Cellphone bill
- Bank Statement
- Pay stub
- Credit card statement
- Social Security , SSI and disability statements
- Medical bill
- Rental aggreement

What can I use as proof of residence?

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

Do you do a credit check?

We are here for you. To save time, answers to some of the most common questions about our program are below.  

Frequently Asked Questions

Frequently Asked Questions

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