727-222-5501Port Richey’s newest used car dealership sits right on US-19 at number 8201 – a brand-new showroom with hand-picked cars, trucks, SUVs, and vans, a financing office inside the building, and a full service department on-site. Auto Credit Center was founded by the family behind Car Credit Nation, who have financed more than 15,000 drivers since 1997, which means Pasco County gets a first-day dealership with three decades of judgment behind every vehicle on the lot.
What a Brand-New Dealership Does Better
A new showroom with an experienced family behind it gets you the best of both:
What Does “Reconditioned” Actually Mean Here?
Plenty of lots use the word. Here is what it means at Auto Credit Center: before any vehicle is offered for sale, it goes through our 45-point inspection and reconditioning process in our own service department – the same process our family has used for more than 25 years. Brakes, tires, fluids, battery, and the air conditioning that Florida driving actually demands all get checked and corrected before you ever see the keys.
Then we stand behind the work: every sale includes a free 30-day / 3,000-mile limited warranty, extended breakdown protection plans are available on most vehicles, and reconditioning and warranty repairs happen right here at the same lot. A used car should not be a gamble, and here it is not.
How In-House Buy Here Pay Here Financing Works
Auto Credit Center is a Buy Here Pay Here dealership – vehicles from our lot, loans from Car Credit Finance, our affiliated family-owned finance company. Your approval is decided here, on your income and stability today: rates start at 4.9% APR for well-qualified buyers with terms explained up front, most applicants get a same-day answer, and bad credit, no credit, or a past repossession doesn’t automatically disqualify you. Apply online or walk into the showroom.
What You’ll Need to Get Approved
Five things, one visit, keys in hand:
- 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 carries 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 – because a used car should come with real protection, not a handshake.
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 vehicle that handles your Pasco County commute is also rebuilding your credit file while it works.
Visit the Showroom on US-19
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
8201 US Highway 19, on the main drag in Port Richey – minutes from anywhere in the Port Richey / New Port Richey corridor. Walk-ins welcome during sales hours.
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
Where in Port Richey are you located?
8201 US Highway 19, Port Richey, FL 34668 – right on the main US-19 corridor. Sales hours are Monday-Friday 9am-6pm and Saturday 9am-5pm, with the service department open Monday-Friday 7:30am-4:30pm.
Do you finance the vehicles yourselves?
Financing is provided through Car Credit Finance, our affiliated finance company under the same family ownership – a separate company on paper, built to serve our customers directly. Approval decisions are made within our family business on your ability and stability today, never by an outside bank.
What kinds of vehicles do you carry?
Hand-picked used cars, trucks, SUVs, and vans – each one put through our 45-point inspection and reconditioned in our own shop before it’s offered for sale.
Do you take trade-ins?
Yes. We appraise trade-ins on the spot – running or not – and the value applies directly toward your down payment.
What warranty comes with the vehicle?
A free 30-day / 3,000-mile powertrain warranty on every sale, with extended breakdown protection available up to 36 months / 36,000 miles on most vehicles, plus the 7-Day Worry-Free Exchange.
Will my payments build my credit?
Yes – we report your payment history to the major credit bureaus every month, and on-time payments create documented positive history.
Is the dealership really new?
The showroom is brand new – the family running it is not. Auto Credit Center was founded by the family behind Car Credit Nation, financing drivers since 1997.
Get Approved Today
See Port Richey’s newest lot for yourself: browse the inventory online, get approved in minutes, or call 727-222-5501.