Automotive Credit

Automotive Credit

in Auto Loans from Automotive Credit Corporation


Automotive Credit


in Auto Loans from Automotive Credit Corporation

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Credit Score Range 500 - 700
Loan Amount N/A
APR  (Fixed APR) N/A
Loan Term (Months) N/A

Automotive Credit Review

Automotive Credit is offered by Automotive Credit Corporation, a financial services company founded in 1992 and based in Southfield, MI. Automotive Credit is available in 10 states across the USA.

Automotive Credit FAQ

What APR does Automotive Credit offer on its car loans?

Automotive Credit offers a fixed APR car loan product but they do not disclose their rates. Interest rates vary by state.

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

Does Automotive Credit charge an origination fee?

Yes, Automotive Credit may charge a loan origination fee.

Does Automotive Credit charge a late fee?

Yes, Automotive Credit charges borrowers with a late payment penatly fee

Does Automotive Credit charge prepayment fees?

No, Automotive Credit will not charge you a fee for paying your loan early. Whenever possible choose lenders like Automotive Credit that don't charge a prepayment fee. These fees can reduce or even cancel the interest savings of repaying a loan early.

Can I pay off early my Automotive Credit loan?

Yes, you can. Automotive Credit does not charge a prepayment fee, so you can save money by paying your car loan early.

What do you need to qualify for Automotive Credit?

Applicants with a credit score of at least 500 and up to 700 may be eligible for Automotive Credit. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Automotive Credit does not have or does not disclose a minimum annual income eligibility requirement. Automotive Credit only considers borrowers who are employed.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Automotive Credit. Their rates fall within the limits of The Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by Automotive Credit. Permanent resident / green card holders are also eligible to apply.

To qualify, applicants may need to provide the following documentation:

  • Recent pay stubs
  • Proof of income
  • Driver's license
  • Government issued photo ID
  • Proof of identity
  • Proof of citizenship or residence permit
  • U.S. tax identification number

Does Automotive Credit report your account activity to credit bureaus?

Yes, Automotive Credit reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

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  • Headquarters
  •   26261 EVERGREEN RD
    Southfield, MI 48076
  •   Visit Site

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 8:00am
  • Tuesday 9:00am - 8:00am
  • Wednesday 9:00am - 8:00am
  • Thursday 9:00am - 8:00am
  • Friday 9:00am - 7:00am
  • Saturday 10:00am - 4:00am

About Automotive Credit


  Available in 10 states
  • Arizona
  • California
  • Colorado
  • Florida
  • Illinois
  • Indiana
  • Michigan
  • Nevada
  • New York
  • Ohio

Feature Breakdown

No Prepayment Fee
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Minimum Age 18
Verification Documents Required
  • Government Issued Photo ID
  • Proof of Identity
  • Proof of Income
  • Recent Pay Stubs
  • Social Security Number
  • U.S. Tax Identification Number
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Credit Score Range 500 - 700
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Customizable Payment Dates
Payment Options
  • Automatic Payments
  • Bank Transfer
  • Cash
  • Check by mail
  • Storefront

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