727-222-5501Tarpon Springs to our Port Richey showroom is about 20 minutes up US-19 – a short run north for a fundamentally different answer. Auto Credit Center is a Buy Here Pay Here dealership, founded by the family behind Car Credit Nation, who have financed more than 15,000 drivers since 1997: the financing comes from Car Credit Finance, our own family finance company, the approval rests on your ability to pay today, and a rough credit chapter is context, not a verdict.
Why Tarpon Springs Runs North on 19
Between Pinellas County’s big lots and the drive north, here’s what tips the scale:
No Credit History? Why That Is Not a Problem Here
A thin or empty credit file stops plenty of bank applications cold – and it stops nothing at Auto Credit Center. Whether you have paid cash your whole life, recently arrived and left your history behind, or simply never borrowed, approval here is built on your current income and stability. An empty file has nothing bad in it, and we treat it that way.
Financing is provided through Car Credit Finance, our affiliated family-owned finance company, and your payment history is reported to the major credit bureaus every month – so the loan that gets you driving also builds the file you never had. Bring proof of income and address, your license, insurance, and a minimum down payment, and most customers drive home the same day.
How In-House Buy Here Pay Here Financing Works
Buy Here Pay Here means the financing stays in the family: Car Credit Finance, our affiliated family-owned finance company, carries the loan – so approvals come from our team, usually the same day. It’s built on your income and stability now: rates start at 4.9% APR for well-qualified buyers with every term up front, and bad credit, no credit, a repossession, or a discharged bankruptcy doesn’t automatically disqualify you. Apply online from Tarpon Springs and arrive to matched vehicles instead of paperwork.
What You’ll Need to Get Approved
Five things and the trip north ends with keys:
- 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 hand-picked, put through our 45-point inspection, and reconditioned for real Florida duty, with a free 30-day / 3,000-mile powertrain warranty standard, extended protection up to 36 months / 36,000 miles available on most, and the 7-Day Worry-Free Exchange behind your pick.
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 reports to the major credit bureaus every month – so the car that carries you up and down US-19 also carries your credit file back uphill.
Getting Here From Tarpon Springs
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 Tarpon Springs, Holiday, or the Anclote River area – about 20 minutes to 8201 US Highway 19 in Port Richey.
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 a car with bad credit or no credit?
Yes. Financing decisions come from Car Credit Finance, our family-owned finance affiliate, based on your current income and stability – bad credit, no credit history, and past repossessions are situations we regularly approve, not automatic denials.
How far is the dealership from Tarpon Springs?
About 20 minutes north on US-19 – 8201 US Highway 19 in Port Richey, one road the whole way.
What do I need to get approved?
Proof of income, proof of your current address, a valid driver’s license, active full-coverage auto insurance, and your down payment.
Do trade-ins count toward the down payment?
Yes – appraised on the spot, running or not, with the value applied straight to your down payment.
What comes with the vehicle?
A free 30-day / 3,000-mile powertrain warranty on every sale, optional extended coverage up to 36 months / 36,000 miles, and a one-time 7-Day Worry-Free Exchange.
Do you report payments to the credit bureaus?
Yes – your payment history is reported monthly, and on-time payments build documented positive history that can qualify you for better terms on your next vehicle.
Do I need an appointment to come look?
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, and the online application gives you a head start.
Get Approved Today
Tarpon Springs drivers: start online, call 727-222-5501, or take the twenty-minute run up US-19 – and drive back home approved.