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Recurring Payments

Single Payments

Even if your credit has seen better days, we'll do everything we can to get you approved

Helping people get the vehicle they deserve.

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High-quality vehicles

Multi-point inspection

We get you

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Easy approval process

Your job is your credit

Low payment options

The easy way to pay from home! Just visit our payment portal at [AmFinancial.com](https://www.amfinancial.com/) and click “Make a Payment”.

Web Pay

CheckFreePay
If you prefer to pay with cash or debit card, CheckFreePay is a great option. You can visit any of our retail partners, like Walmart or Kroger, and pay them directly. Visit [CheckFreePay.com](https://www.checkfreepay.com/en/payment-locator.html) to find the location nearest you!

CheckFreePay

We accept both money orders and cashier’s checks (no personal checks) via mail. Send yours to:

Pay by Mail

To pay over the phone, just dial and our automated system will guide you through the process.

Phone Pay

Set it and forget it! Never miss another payment and sign up for ACH so your monthly payments will be taken care of automatically each month.

Setup ACH (Recommended)

Ways to pay

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Industry-leading warranty

Oil changes for up to 3 years

We stand behind you and our cars

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?

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

WHY AMERICAN CAR CENTER?

Helping people get the vehicle they deserve.

WHY AMERICAN CAR CENTER?

Helping people get the vehicle they deserve.

HOW WE HELP

Easy approval process

Your job is your credit

Low payment options

HOW WE HELP

Easy approval process

Your job is your credit

Low payment options

YOU'RE COVERED

Industry-leading warranty

Oil changes for up to 3 years

We stand behind you and our cars

YOU'RE COVERED

YOU'RE COVERED

Industry-leading warranty

Oil changes for up to 3 years

We stand behind you and our cars

HIGH QUALITY STANDARDS

High-quality vehicles

Multi-point inspection

We get you

HIGH QUALITY STANDARDS

High-quality vehicles

Multi-point inspection

We get you

EASY AND FLEXIBLE PAY

Recurring Payments

Single Payments

EASY AND FLEXIBLE PAY

EASY AND FLEXIBLE PAY

Recurring Payments

Single Payments

Ways to pay

Web Pay

CheckFreePay

Pay by Mail

Phone Pay

Setup ACH (Recommended)

Ways to pay

Web Pay

CheckFreePay

Pay by Mail

Phone Pay

Setup ACH (Recommended)

FAQs

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

What if I don’t have a job?

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

How much of a down payment is required?

How often do I have to make payments?

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