727-222-5501If you’re searching for a Buy Here Pay Here dealership in New Port Richey, FL, it’s usually because a bank or a franchise lot already said no – a low score, no credit file, a past repossession. Auto Credit Center was built for exactly that moment: a brand-new showroom about 10 minutes up US-19 in Port Richey, founded by the family behind Car Credit Nation, who have financed more than 15,000 drivers since 1997. The lender who decides your approval works inside the building – and decides on your ability to pay today, not a score from your past.
Why New Port Richey Drivers Head Up US-19
Pasco County has plenty of car lots. Here’s what makes the ten-minute trip different:
What Makes Buy Here Pay Here Different From a Regular Dealership?
At a regular dealership, your application leaves the building: it gets sent to outside banks, scored by their formulas, and answered on their timeline. At a Buy Here Pay Here dealership, the dealer and the financing stay together. At Auto Credit Center, your vehicle comes from us and your financing is provided by Car Credit Finance, our affiliated family-owned finance company – so the decision is made by people who work with situations like yours every day, based on your income and stability today rather than a credit score.
That one difference changes the whole experience: most customers get a decision the same day, terms are explained face to face, and your payment history is reported to the major credit bureaus every month – so the vehicle that gets you to work is also rebuilding your credit. Start the short approval online and see for yourself.
How In-House Buy Here Pay Here Financing Works
“Buy here, pay here” means the dealer and the lender stay in one family: Auto Credit Center sells the vehicle, and Car Credit Finance – our affiliated, family-owned finance company – carries the loan, so your payments never go to an outside bank. That lets our team decide approvals on your income and stability today: rates start at 4.9% APR for well-qualified buyers with every term explained up front, most applicants get a same-day decision, and bad credit, no credit, a prior repossession, or a discharged bankruptcy don’t automatically disqualify you. Start your approval online and the paperwork is mostly done before you arrive.
What You’ll Need to Get Approved
Bring these five things and most New Port Richey customers drive home the same visit:
- 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 our inventory is put through our 45-point inspection and reconditioned before it reaches the lot, and every sale includes a free 30-day / 3,000-mile powertrain warranty, optional extended breakdown protection up to 36 months / 36,000 miles, and the 7-Day Worry-Free Exchange if the fit isn’t right in your first week.
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, with on-time payments building your file – a dependable car for the US-19 commute now, and a documented payment history that helps qualify you for better terms on the next one.
Getting Here From New Port Richey
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
Head north on US-19 – from downtown New Port Richey, Southgate, or anywhere along the river, you’re at our showroom in about 10 minutes.
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
What is a Buy Here Pay Here dealership?
It’s a dealership model where financing stays with the dealer’s own family of companies instead of an outside bank. At Auto Credit Center, loans are carried by Car Credit Finance, our affiliated family-owned finance company – which allows approval decisions based on your current ability to pay rather than a credit score alone.
Can I get approved with bad credit, no credit, or a past repossession?
Yes. Because financing is handled within our family of companies, approval is based on your current income and stability – bad credit, no credit, a prior repossession, or a discharged bankruptcy do not automatically disqualify you.
What documents do I need to apply?
Proof of income (recent pay stubs or bank statements), proof of your current address, a valid driver’s license, active full-coverage auto insurance, and your down payment.
Is Auto Credit Center a new dealership?
The Port Richey showroom is brand new – but it’s founded and run by the family behind Car Credit Nation, who have financed more than 15,000 drivers since 1997. New building, three decades of experience.
Do you report payments to the credit bureaus?
Yes. Your payment history is reported to the major credit bureaus every month, and on-time payments build documented positive history on your file.
What if the car doesn’t work out after I buy it?
Every purchase includes our 7-Day Worry-Free Exchange: if the vehicle isn’t the right fit in your first week, you can exchange it once for another in-stock vehicle within your original approval.
Do I need an appointment?
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. Starting your application online first makes the visit even faster.
Get Approved Today
New Port Richey drivers who’ve been turned away elsewhere can start an application online, call 727-222-5501, or make the ten-minute trip up US-19 – and drive home the same day.