727-222-5501Hudson sits a straight 15 minutes up US-19 from our Port Richey showroom – close enough that a lunch break covers the test drive. When banks and big-lot dealers say no over a credit score, Auto Credit Center says yes the family way: the vehicle comes from our lot, the loan from Car Credit Finance – our affiliated family-owned finance company – and the decision is built on your ability to pay today. The showroom is new; the family behind it – the Car Credit Nation family – has been financing drivers since 1997.
Why Hudson Comes Down US-19
Fifteen minutes south buys a different kind of car-buying experience:
Is Buy Here Pay Here Legit? How to Tell a Good One From a Bad One
Fair question, because the answer depends entirely on the lot. A bad Buy Here Pay Here charges sky-high rates, sells vehicles as-is with no warranty, and never reports your payments – so even perfect payment history builds nothing. A good one does the opposite, and there are simple things to check: Do they report to the credit bureaus? Is the warranty in writing? Is there an exchange policy if the vehicle is not right? How long has the same family run the business?
Ask us all four. Your payment history is reported to the major credit bureaus every month, every sale includes a written 30-day / 3,000-mile limited warranty plus a 7-day exchange option, and Auto Credit Center was founded by the family behind Car Credit Nation, which has financed more than 15,000 drivers since 1997. Legit is a track record, and ours is checkable.
How In-House Buy Here Pay Here Financing Works
Buy Here Pay Here means the financing stays in the family – loans are carried by Car Credit Finance, our family-owned finance affiliate, so the yes comes from our team, not an outside bank. Approvals rest on your current income and stability: rates start at 4.9% APR for well-qualified buyers with terms shown up front, most applicants get a same-day decision, and bad credit, no credit, a repossession, or a discharged bankruptcy doesn’t automatically disqualify you. Start online from Hudson and arrive with the paperwork nearly done.
What You’ll Need to Get Approved
Five things turn the drive into a same-day purchase:
- 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
Our used cars, trucks, and SUVs are hand-picked, put through our 45-point inspection, and reconditioned, with a free 30-day / 3,000-mile powertrain warranty on every sale, extended protection up to 36 months / 36,000 miles available on most, and the 7-Day Worry-Free Exchange behind your choice.
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
Your payment history is reported to the major credit bureaus every month – so the commuter that runs you up and down US-19 is also repairing your credit, month after month.
Getting Here From Hudson
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 South from Hudson, Bayonet Point, or SeaRanch on the Gulf – about 15 minutes, one road, no turns to remember.
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
Do you finance Hudson drivers with bad credit or no credit?
Yes. Approvals come from Car Credit Finance, our family-owned finance affiliate, based on your current income and stability – bad credit, no credit, and past repossessions are situations we regularly work with, not disqualifiers.
How long does the process take once I’m there?
Usually a single visit. Financing is handled within our family of companies, so there’s no waiting on an outside bank – most Hudson customers get approved, pick their vehicle, and drive home the same day.
What do I need to bring?
Recent pay stubs or bank statements, proof of your address, a valid driver’s license, active full-coverage insurance, and your down payment.
Can my trade-in count toward the down payment?
Yes – we appraise trades on the spot, running or not, and apply the value directly to your down payment.
Is there a warranty on the vehicles?
Yes – a free 30-day / 3,000-mile powertrain warranty comes standard on every sale, with extended breakdown protection up to 36 months / 36,000 miles available on most vehicles.
Do you report to the credit bureaus?
Yes, every month. On-time payments build documented positive history on your credit file.
Do I need an appointment before driving down?
No appointment is required – walk-ins are welcome during sales hours (Mon-Fri 9am-6pm, Sat 9am-5pm) – though we recommend one for the fastest service. The online application gives you a head start.
Get Approved Today
Hudson drivers: apply online, call 727-222-5501, or point south on US-19 – fifteen minutes to an in-house yes.