About ACA
Since 1991, ACA has been offering deep subprime financing to both franchise and independent dealerships nationwide. We provide used car dealers a profitable financing option for their sub-prime customers. We provide loans to consumers who otherwise could not obtain financing from traditional banks, credit unions, and manufacturer’s captive finance companies. ACA targets a wide spectrum of our dealer partner’s inventory, including new vehicles and used vehicles with mileages up to 120,000. We look for merit in every deal and offer risk appropriate structures that will incrementally increase the amount of cars our dealers sell each month.
At ACA, we pride ourselves in providing superior customer service, transparent guidelines, and consistent buying policies. We would welcome the opportunity to show how our best-in-class service and common sense lending approach can increase sales and profit levels for your organization. If you are interested in selling more cars, we would like to discuss the opportunity to do business. Contact us today.
Highlights
- Non Recourse
- Zero FICO's Accepted
- Down Payments as low as $500 Cash plus trade
- Service Contract Available
- Rehash Bank
- DealerTrack, RouteOne and Faxed Applications
- No Dealer Enrollment Fees
Our Customer
- Credit
- Credit scores as low as 425
- Zero FICO's OK
- Income/Employment
- $1,500 minimum income
- All levels of military considered
- Self-Employed
- Residence
- No minimum time at residence
Our Vehicle
- Model Year
- Up to 10 years old
- Mileage
- Up to 120,000 miles
Deal Structure
- Up to 120% of clean trade
- Discount as low as 8%
- Finance Amount from $5,000 to $20,000
- Maximum terms of 72 months
- As little as $1,000 down ($500 cash minimum)
Contact Us
| Sales: | 866-202-6912 |
| Underwriting: | 866-202-6914 |
| Funding: | 866-202-6916 |
| Customer Service: | 866-544-3430 |
| Lien Holder Address: |
P.O. Box 1899 Spartanburg, SC 29304 |
| Loss Payee Address: |
P.O. Box 3487 Coppell, TX 75019 |
| Closing Packets: |
961 E. Main Street ATTN: ACA Spartanburg, SC 29302 |
Learn about our ACA Lending Guidelines
Dealer Enrollment Packages
