Dealer FAQ

ACC works with independent and franchise dealerships. The basic requirements are:

Your marketing representative will take you through all the steps to become an ACC dealer partner. Once you have confirmation from your ACC sales representative that your application process is complete, you can start submitting contracts to us. Please fill out our Request a visit from an Automotive Credit Representative form, and you will be contacted promptly.

Please do not submit Automotive Credit applications until you have confirmation that your application process is complete and your dealership has been activated.

Most decisions are received in 30 minutes or less.

Complete contract packages are funded within 48 hours

Monday through Friday 8:30 am until 7 pm, and Saturdays from 10:00 am until 4:00 pm (Eastern Time)

ACC uses its proprietary scorecard and the customer's credit score is a factor. The average FICO score is below 500.

Automotive Credit Corporation has been in business since 1992. We originate and service our accounts through maturity and have never needed asset backed securitization due to our strong long term banking relationships.

Please refer customers to our customer service phone number: 800-810-1211. Customer service hours are Monday through Friday 8:00 am until 8:00 pm and Saturdays 8:00 am until 12:00 pm (Eastern Time).

You may use your login and password to view the statuses of your application via our dealer portal. If you need a login and password, please contact your ACC Sales Representative.

Your ACC Sales Representative is your first contact for almost any question that you may have. They can help you with everything from "How do I sign up” to specific questions about how our programs can help you make more money.

A first time buyer will fit into many of our programs.

You may add an approved service contract to the maximum amount to finance for the vehicle. You may login and visit the document library for more information regarding service contracts.

Yes, providing the applicant can prove their income. Automotive Credit Corporation requires past two years tax returns and proof of current year to date income.