1824 State Highway 31 E | Athens, TX 75751

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

American Auto Credit
1824 State Highway 31 E
Athens, TX 75751

(903) 675-4227
(903) 675-6443
Mon: Closed
Tue: 8:00AM - 5:00PM
Wed: 8:00AM - 5:00PM
Thu: 8:00AM - 5:00PM
Fri: 8:00AM - 5:00PM
Sat: 8:00AM - 5:00PM
Sun: Closed
~ Customer satisfaction is job one! ~