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Frequently Asked Questions

How Do I Obtain Financing?

1. Feel Free To Come To Our Stress Free Envirnmnent To Browse Our Inventory And Fill Out A Credit Application, Or,

2. Go To This Link And Fill Out A Secure Online Application, A Professional Associate Will Contact You To Schedule An Appointment To Look At Vehicles

How Are Financing Decisions Made And Do You Check Credit?

Approval Process Does Not Require A Credit Check. Decisions Are Made Based On The Information Provided On The Application, Subject Verification.

What Do I Bring When I Come?

Valid Texas Driver's License Or Identification Card Proof Of INcome Such As Paystubs, Benefit Letters, Etc. Proof Of Residence In The Form Of A Current Utility Bill Rental Agreement, Lease, Etc.

Does Purchasing A Car Improve My Credit Score?

At American Auto Credit We Understand That Unexpected Life Events Can Occur That Could Negatively Affect Your Credit Rating. We Provide A Service That Allows Customers With Challenged Credit Or No Credit All To Purchase A Reliable Vehicle And Enahnce Their Credit By Reporting To TransUnbion and Experian Credit Bureaus Each Month.

If I Have Had A Previous Reposession Can I Still Purchase A Car?

We Do Finance Customers With Previous Reposessions. Every Situation Is Different And We Will Speak With You In Regards To The Reason Of The Reposession And Try To Provide A Path To Improving Your Credit.

American Auto Credit
1824 State Highway 31 E Business
Athens, TX 75751
(903) 675-4227
Monday Closed
Tuesday 8:00AM - 5:00PM
Wednesday 8:00AM - 5:00PM
Thursday 8:00AM - 5:00PM
Friday 8:00AM - 5:00PM
Saturday 8:00AM - 5:00PM
Sunday Closed