New & Used Auto Loan Financing


100% FREE - No Obligation Application

There is never any obligation to accept or buy any financing offer presented to you by us, or one of our affiliates.

All Credit Types Accepted

Your credit does not affect how ACA handles your application. No matter what type of credit you have, we will accept your application and do our best to have it services by one of our financing partners.

National Coverage

Every financing partner we work with has links to national auto dealership networks which allow almost complete national coverage.

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"?
Many companies claim they offer Instant Approvals, but this is just a hook to get you to apply.  Although instant approvals are available for a very few select number of customers with excellent credit, the reality of the loan process can take a few days.
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.


Approvals Available For ALL Credit Types!