Invitation-only financing event
Your credit score doesn't decide your next car.You do.
You've been selected to work one-on-one with a participating dealership's credit specialist. Enter the Invitation Code from your letter to see who's holding your spot.
Your Invitation Code is the 9-digit number printed on your invitation.
Every credit situation is considered
- Bad credit
- No credit
- Bankruptcy
- Repossession
- Collections
- First-time buyer
- Divorce
- Self-employed
How it works
Three steps. About two minutes.
- 1
Enter your Invitation Code
The 9-digit number on your invitation tells us which participating dealership in your area is holding a spot for you.
- 2
Confirm it's you
Check the name on your invitation and tell us the best number to reach you. No Social Security number, no hard credit pull.
- 3
See your range, meet your specialist
Your pre-qualified range appears right away — and a credit specialist at the dealership texts you, typically within one business day.
Why it's different
Built for people the bank said no to.
No hard pull to start
Nothing you tell us here touches your credit score.
No SSN online
Sensitive details are only ever handled in person, at the dealership.
A real dealership, close by
One local team, one point of contact — not a call-center lead list.
Every situation considered
Specialists work with lenders who say yes to people banks turn down.
Be ready
What to bring to your appointment
Having these with you lets the credit specialist work your deal in one visit. Missing something? Bring what you have — they'll tell you what else they need.
- Valid driver's license
- Two recent pay stubs (or bank statements if self-employed)
- A recent utility bill or other proof of residence
- Your down payment, if you have one
- Your trade-in, title or payoff information
- A few personal references (names and phone numbers)
Questions
Straight answers
Will filling this out affect my credit score?+
No. This form doesn't pull your credit at all. If you decide to move forward, the dealership will explain any credit check before it happens and ask for your permission.
I've had a bankruptcy or a repossession. Can I still get approved?+
Many people in exactly that spot do. Participating dealerships work with lenders who specialize in rebuilding credit, including recent bankruptcies (open or discharged) and repossessions. Approval always depends on the lender's review, so we can't promise it — but a past setback doesn't rule you out.
Where do I find my Invitation Code?+
It's the 9-digit number printed on your invitation, usually near your name and address or under the QR code. Scanning the QR code with your phone's camera opens this page with your Invitation Code already filled in.
Is there a cost?+
No. There's no charge to use this site or to talk with the dealership's credit specialist.
Is Auto Credit of America a lender?+
No. We're a program that connects you with a participating local dealership. Financing comes from third-party lenders through the dealership, and their terms depend on your full credit application.
What happens after I submit?+
Your information goes straight to the dealership named on your invitation. A credit specialist will typically text you within one business day to talk through your options and set a time to visit — you're never obligated to buy.
Your spot is being held.
Invitations are limited to the dates on your mailer. Enter your Invitation Code now and a specialist will text you.
Enter my invitation code