727-222-5501From Holiday, Auto Credit Center is about 15 minutes north on US-19 – past the New Port Richey line to number 8201 in Port Richey. It’s the trip Holiday drivers make when the answer everywhere else has been no: a brand-new Buy Here Pay Here showroom, founded by the family behind Car Credit Nation, who have financed more than 15,000 drivers since 1997, where the approval decision is made inside the building on your ability to pay today – not on a score from a rough season.
Why Holiday Drivers Point North
Between the Tampa auto malls and the local lots, here’s what tips Holiday our way:
Buying Your First Car With No Credit: How It Works
No credit history is not a problem here – it is one of the most common situations we work with. Approval at Auto Credit Center is based on your current income and stability, not a score you have not had time to build. Bring proof of income, proof of address, a valid driver’s license, full-coverage insurance, and a minimum down payment, and an empty credit file will not hold you back.
Better still, your first car here starts your credit file the right way: your payment history is reported to the major credit bureaus every month, so every on-time payment builds documented history that follows you to your next loan, your first apartment, and beyond. Start the short approval online and bring your questions – first-time buyers get walked through every step.
How In-House Buy Here Pay Here Financing Works
Buy Here Pay Here means dealer and lender in one family – the vehicle from Auto Credit Center, the loan from Car Credit Finance, our affiliated family-owned finance company – so the decision stays with our team. It’s built on your income and stability today: rates start at 4.9% APR for well-qualified buyers, every term is explained before you sign, most applicants hear back the same day, and bad credit, no credit, a repossession, or a discharged bankruptcy doesn’t automatically disqualify you. Complete the approval online before leaving Holiday and we’ll have vehicles matched when you arrive.
What You’ll Need to Get Approved
The same five things for every customer:
- Proof of income (recent pay stubs or bank statements)
- Proof of your current address
- A valid driver’s license
- Active full-coverage auto insurance
- Your down payment – and your trade-in counts toward it, running or not
Ready to buy? Complete the full credit application online and the signing goes even faster when you arrive.
Every Vehicle Comes With Real Protection
Every vehicle in the inventory is put through our 45-point inspection and reconditioned before sale, includes a free 30-day / 3,000-mile powertrain warranty, offers extended protection up to 36 months / 36,000 miles on most units, and is backed by the 7-Day Worry-Free Exchange.
Exchange terms: one exchange within 7 days of delivery, under 300 miles driven ($1/mile applies beyond), vehicle undamaged and unmodified, replacement in stock and within your original approval.
Build Your Credit While You Drive
We report your payment history to the major credit bureaus every month – the vehicle gets you to work along US-19, and your on-time payments build the record that rebuilds what the rough season broke.
Getting Here From Holiday
Auto Credit Center
8201 US Highway 19
Port Richey, FL 34668
Sales: 727-222-5501
Mon-Fri 9am-6pm • Sat 9am-5pm • Closed Sunday
Service: 727-870-1210
Mon-Fri 7:30am-4:30pm
US-19 North from Holiday, Elfers, or Anclote – about 15 minutes to 8201 US Highway 19 in Port Richey, on the right side of the main drag.
A New Showroom, A Proven Family
New showroom, proven family. Auto Credit Center was founded by the family behind Car Credit Nation, who have financed more than 15,000 drivers since 1997. Port Richey gets a brand-new dealership backed by nearly three decades of doing Buy Here Pay Here right – and as our first Florida customers share their experiences, you’ll find their reviews right here.
Frequently Asked Questions
Can I get approved in Holiday with bad credit?
Yes. Approvals come from Car Credit Finance, our family-owned finance affiliate, based on your income and stability today – bad credit, no credit, and past repossessions don’t automatically disqualify you.
Is same-day drive-home realistic?
Yes, for most customers. Because financing is handled within our family of companies, approval, vehicle choice, and keys typically happen in one visit – faster still if you apply online first.
What’s required to apply?
Proof of income, proof of your current address, a valid driver’s license, active full-coverage auto insurance, and a down payment.
Does Auto Credit Center have experience, being a new store?
The showroom is new; the experience isn’t. We were founded by the family behind Car Credit Nation, who have financed more than 15,000 drivers since 1997.
What protection comes with the vehicle?
A free 30-day / 3,000-mile powertrain warranty standard on every sale, optional extended coverage up to 36 months / 36,000 miles, and a one-time 7-Day Worry-Free Exchange.
Will the loan help my credit score?
Yes, if you pay on time – your payment history is reported to the major credit bureaus every month, turning on-time payments into documented positive history.
What are your hours?
Sales: Monday-Friday 9am-6pm, Saturday 9am-5pm, closed Sunday. Service: Monday-Friday 7:30am-4:30pm. Walk-ins are always welcome, though we recommend an appointment for the fastest service.
Get Approved Today
Holiday drivers: start the application online, call 727-222-5501, or make the fifteen-minute run up US-19 – and drive home approved.