Why American Car Center?

Helping people get the vehicle they deserve.

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

Easy approval process

You won't find an easier or more efficient approval process anywhere! We know everyone can hit bumps in the road and end up with credit challenges, so we smooth out the process and make it as simple and accessible as possible. All you need to get approved for a reliable pre-owned vehicle is:

  • A low down payment
  • Proof of income
  • A valid driver's license
  • Proof of residence
  • And that's it! If you've got all that, you've got a car waiting for you at American Car Center!

Your job is your credit

We think everyone deserves a great car, so we make it easy to get approved regardless of your credit situation! If you have a steady monthly income, you have what it takes to get approved. We accept many different proofs and sources of income, including pay stubs, disability checks, social security checks, and alimony checks. Whatever your source of income, there's a path to approval for you!

Low payment options

  • We offer affordable flexible payment terms.
  • Lease payments are often more affordable than loan payments for the same vehicle. Plus, if you put more money down, you can reduce the amount you pay each month.
  • We are committed to providing high-quality vehicles to anyone. We want to get you behind the wheel and back on the road, regardless of your credit history.

Industry-leading warranty

We're proud to offer up to a 3-Year/36,000-Mile Limited Powertrain Warranty. That means we have your back if you ever encounter issues with vital vehicle components such as the engine or transmission. Just call our customer service department and we'll help you get back on the road in no time!

Oil changes for up to 3 years

We want your drive to be as smooth as possible, so all of our vehicles come with Oil Changes for up to 3 years! We take all of the guesswork out of your vehicle maintenance so you can focus on the things that really matter.

We stand behind you and our cars

We've built our reputation on great relationships. That's why we're here for you long after you drive off the lot. We focus on making your experience positive and worry-free.

High-quality vehicles

We truly want you to love your car, so we only stock vehicles that we believe in. Low mileage, late model, and reliable. Our wide selection of cars, SUVs, and minivans offers a little something for everyone. Need a car to get to work? We have a reliable and fuel-efficient sedan to help you save money on your commute. How about an SUV for the family? Our big selection of people movers can help you get from A to B!

Multi-point inspection

Before they ever hit the lot, all of our vehicles undergo a rigorous inspection process. This multi-point inspection ensures that your ride is safe and reliable far down the road. We're so confident in our vehicles that we back them with up to a 3-Year/36,000-Mile Limited Powertrain Warranty and Oil Changes for up to 3 Years!

We get you

When life deals you a bad hand and you need a vehicle NOW, American Car Center is here to help. We understand the challenges that many of our customers face, and we're here to make getting a reliable car fast and easy. Our approval experts will help you every step of the way and find the right car to get you back on the road and back to your life.

We believe in providing better cars and better service to our customers. Come see us today and experience the American Car Center difference!

Recurring Payments

The easiest and most convenient way to pay! With recurringCard or ACH payments, your car payments will be made automatically each month. This is our recommended payment option because you can:

  • Save Time and Gas Money
  • Avoid Dealing with Significant Cash
  • Avoid Cashier's Checks or Money Orders
  • Avoid Late Fees
  • Avoid Convenience Fees

If you'd like to set up recurring payments for your account, just ask a representative for a Card or ACH Authorization Form, or print from our website.

Single Payments

We offer multiple single payment options including online payment portal, payments via phone and an in-person payment option at over 30,000 CheckFreePay locations nationwide.

Web Pay

The easy way to pay from home! Just visit our payment portal atAmFinancial.com and click “Make a Payment”.

Phone Pay

To pay over the phone, just dial:

and our automated system will guide you through the process.

Pay by Mail

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

Attn: Payments
American Financial
6400 Winchester Road
Memphis, TN 38115


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 to find the location nearest you!

Setup ACH (Recommended)

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.

American Financial

6400 Winchester Road

Memphis, TN 38115


* A $4.95 convenience fee applies to this option.