New & Used Auto Loan Financing
100% FREE - No Obligation Application
All Credit Types Accepted
Frequently Asked Questions
Getting approved to buy a new or used car can be intense and frustrating, so here are some of our most frequently asked questions from auto finance customers just like yourself.
What will my interest rate be?
Your interest rate is determined by a number of factors, and can never be known before applying. Don’t be fooled by websites that advertise an exact rate. Your credit score, past bankruptcies or repo’s, and the number of open accounts are all determining factors for your interest rate.
What is an "Instant Approval"?
Who will be contacting me after I apply?
ACA works with a nationwide network of auto finance professionals and auto dealerships to try and locate the best financing for your needs. You could be contacted immediately by a direct financier, or a dealership in your area that can get your approved in-house. If you don’t hear anything immediately, chances are your application wasn’t picked up by one of our partners, but we will keep working to get it placed unless you contact us and tell us otherwise.