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American Car Center

American Car Center is a chain of used vehicle dealerships located in the south east of the United States. The company aims to offer any customer, regardless of their credit history, a way to drive a dependable, amazing vehicle. This article will be addressing and answering the following:

What is American Car Center?


American Car Center has almost 70 used car dealerships across Alabama, Arkansas, Florida, Georgia, Mississippi, North Carolina, South Carolina, and Tennessee. They have a huge selection of late model, low mileage vehicles. ACC has been dubbed “The King of Credit”, and their mission is stated as the following, “..partnering with good people with credit problems is our focus and passion”. To put it simply, ACC understands good people experience difficult life situations, but they do not believe those experiences should determine an individual’s future. All vehicles purchased at an ACC dealership come with the following services:

  • Up to a 3-year, 36,000-mile limited powertrain warranty

  • Oil changes for three years

  • Multiple payment options, including telephone and online payments

  • Account representatives assigned throughout the life of your account

How Do I Search for a Vehicle?



Buyers can visit any ACC dealer in-person, but American Car Center’s online platform allows buyers to easily search for their desired vehicle at their own convenience. Search results can be targeted by year, make, model, trim, as well as body style, engine, transmissions, fuel type, mileage, price, and multiple other factors. Each vehicle listing provides vehicle specific information such as the exterior color, body type, drive, and mileage. It also signifies that each vehicle comes with a limited warranty, oil changes, dedicated account rep, and multiple payment options. Additionally, buyers can request more information about a certain vehicle, and also save specific vehicles to refer back to later on.


Note: Due to COVID-19, standard operating procedures may have changed. Visit the ACC website to stay updated on how the company is dealing with the coronavirus pandemic. You may also visit ACC’s social media: Facebook, Youtube, Instagram.


Does ACC Work with Bad Credit?

American Car Centers do their best to do business with all customers, including those with poor credit. Before even going to visit the dealership, buyers can submit a loan application online. ACC requests applicants choose a location to be their dealer, as well as whether they will be applying by themselves, or with a co-applicant. Additionally, applicants will have to provide the following personal and employer information:


Personal Info

  • First and last name

  • Date of birth

  • Phone number and email address

  • Address

  • Confirm whether they rent or own, and provide monthly payment

Employer Info

  • Employer name

  • Job title

  • Monthly income before taxes

Once the application is submitted, it is sent to ACC’s finance department to be evaluated and ultimately approved or denied.


Throughout the entire process, existing customers can direct any questions to the customer hotline at (877) 720-4477. Everyone else can contact the Corporate Vehicle Service Center at (901)794-7050.

How Do I Make My Car Payment?


ACC operates their financing through American Financial. American Financial offers multiple convenient payment options. Including the online portal, customers can make payments no problem through recurring ACH and card payments, or single payments by phone, in-person, or mail. Provided below are the details on how to make a payment using each method:


Recurring ACH and Card: To set up automatic ACH/card payments, submit a completed ACH form to their office at:


Payments American Financial

6400 Winchester Road

Memphis, TN 38115


Phone Pay: Dial (877) 720-4477 or (901) 370-4477 -- (A $4.95 Convenience Fee applies to this option)


Pay in-person by cash: Use any CheckFreePay retail location


Pay by Mail: Send a money order or cashier’s check (no personal checks) to:


Payments American Financial

6400 Winchester Road

Memphis, TN 38115

Note: Contact ACC or American Financial to find out if you have any outstanding late fees or additional charges


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