727-222-5501
We Are Your Bank & Dealership
Get approved and drive away all in one place. We finance our own vehicles, making the process faster, easier, and designed to fit your situation.
All Credit Scores Approved
Bad credit, no credit, or past challenges, everyone deserves a second chance. Our approval process is built to help you get on the road.
7-Day Worry-Free Vehicle Exchange
Love your car or exchange it within 7 days. If it’s not the perfect fit, simply bring it back and choose another vehicle.
FREE Warranty With Every Vehicle
Drive with confidence knowing every vehicle sold includes a 30-day, 3,000 mile powertrain warranty at no additional cost.
Full-Service Repair Department
Our in-house service department helps keep your vehicle running strong with experienced technicians you can trust.
3-Year Breakdown Protection Plans
Extended mechanical coverage options help protect you from unexpected repair costs and give you peace of mind.
What Our Customers Say
Your Buy Here Pay Here Dealership in Port Richey, FL
Auto Credit Center is a family-owned Buy Here Pay Here dealership located at 8201 US Highway 19 in Port Richey, Florida — but we’re not the buy here pay here you’re picturing. Step into a clean, modern showroom that feels more like a new-car store, with a team focused on one thing: getting you into affordable, reliable transportation. Because we are both the dealership and the lender, our customers get approved and drive home the same day — no outside banks, no waiting, and no judgment about past credit. We proudly serve drivers throughout Pasco County and the Tampa Bay area — including New Port Richey, Hudson, Holiday, Trinity, Spring Hill, Tarpon Springs, Land O’ Lakes, Wesley Chapel, Zephyrhills, and Dade City — as well as Tampa, St. Petersburg, Clearwater, Palm Harbor, Brooksville, and communities across the region.
Quality Used Cars, Trucks, SUVs & Vans
We hand-pick our inventory for reliability and value, and every vehicle is inspected and reconditioned before it goes up for sale — then backed with a free 30-day / 3,000-mile powertrain warranty. Want longer coverage? Extended breakdown protection of up to 36 months / 36,000 miles is also available on most vehicles, so you can drive with peace of mind well beyond the first month. Browse our current used car inventory online 24/7, or stop by our lot on US Highway 19 to take a test drive. If it turns out the vehicle is not the right fit, our 7-Day Worry-Free Exchange lets you swap it for another one in stock.
In-House Financing for Every Credit Situation
Bad credit, no credit, past repossessions, or bankruptcy — our approval process is built around your ability to pay today, not your past. As a true Buy Here Pay Here dealer, we make our own lending decisions in-house and report your on-time payments to the credit bureaus, so every payment helps rebuild your credit. Get pre-approved online in minutes or call us at 727-222-5501.
Full-Service Repair Department
We stand behind our vehicles long after the sale. Our in-house service department handles mechanical repair and diagnostics for American and foreign cars and trucks, with extended breakdown protection plans available for long-term peace of mind.
Easy to Reach from Anywhere in West Pasco
You’ll find us on the east side of US Highway 19 in Port Richey, minutes from New Port Richey and Holiday, and a short drive down US-19 from Hudson and Spring Hill. Coming from Trinity, Odessa, or Land O’ Lakes? We’re an easy trip west on State Road 54. Driving up from Tampa, Clearwater, or St. Petersburg? We’re a straight shot north on US-19 or the Suncoast Parkway. See our location page for hours and directions, or contact us with any questions.