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 corporation FAQ

What APR does Automotive Credit corporation offer on its car loans?

Automotive Credit corporation 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 corporation charge an origination fee?

Yes, Automotive Credit corporation may charge a loan origination fee.

Does Automotive Credit corporation charge a late fee?

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

Does Automotive Credit corporation charge prepayment fees?

No, Automotive Credit corporation will not charge you a fee for paying your loan early. Whenever possible choose lenders like Automotive Credit corporation 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 corporation loan?

Yes, you can. Automotive Credit corporation 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.

Is Automotive Credit Corporation a legit company?

Automotive Credit Corporation was founded in 1992, it is a well-established company that has been in business for 30 years.

Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Automotive Credit corporation

If you have received a letter requesting proof of insurance on your vehicle financed with Automotive Credit Corporation, we encourage you to act quickly. The terms of your contract require you to have comprehensive and collision insurance for the life of your contract. Borrowers without proof of current insurance on file will have the cost of a total loss protection insurance policy added to their monthly payment. Briefly, total loss protection insurance protects Automotive Credit Corporation from uninsured loss should your vehicle be totaled or lost. However, it does not cover you and is no substitute for traditional insurance. Automotive Credit Corporation uses a system to track and monitor the insurance status of our contracts. If you have received a letter asking for proof of insurance, please send in your documentation as soon as possible to avoid any inconvenience.


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
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Age 18
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Recent Pay Stubs
  • Proof of Income
  • Proof of Identity
  • Government Issued Photo ID
  • U.S. Tax Identification Number
  • Social Security Number
Credit Score Range 500 - 700
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Customizable Payment Dates
Payment Options
  • Automatic Payments
  • Check by mail
  • Storefront
  • Cash
  • Bank Transfer
APR Type Fixed APR

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