727-222-5501
We Are Your Bank & Dealer
One team handles everything: the vehicle, the approval, and the financing. No outside banks, no waiting on someone else's decision, no runaround.
All Credit Scores Approved
Bad credit, no credit, past repossession or bankruptcy - none of it closes the door here. Approval is built on your ability to pay today.
7-Day Worry-Free Exchange
Drive it for a week. If it turns out not to be the right fit, bring it back and swap it for another vehicle in stock. No pressure, no lock-in.
No Added Dealer Fees
Our advertised price already includes every dealer fee. Just add state tax, tag, and title - which your down payment covers - and that is the whole number.
In-House Service Department
Our on-site technicians recondition every vehicle before sale and stay with you after it - warranty work and breakdown repairs, same lot, same team.
Breakdown Protection
A free 30-day, 3,000 mile powertrain warranty comes standard on every vehicle, and extended protection plans can carry you up to 3 full years.
What Our Customers Say
Common Questions
What is a Buy Here Pay Here dealership?
A Buy Here Pay Here (BHPH) dealership sells the vehicle and finances it in-house - the dealer is also the lender. That means the approval decision, the payments, and the service all happen at one location, with no outside bank involved.
Do you deny people for bad credit?
No. A low credit score is never a reason for denial at Auto Credit Center. We qualify customers based on ability and stability today - your income and your budget - not your credit history. Credit history may affect the terms of your approval, but it won't shut the door.
How long does the approval process take?
Most customers complete approval the same visit. Start online in a few minutes, bring your documents, and in many cases you pick your vehicle and drive home the same day.
Do my payments help rebuild my credit?
Yes. We report your payment history to the credit bureaus every month, so on-time payments add positive history to your credit file while you drive.
Can I trade in my current vehicle?
Absolutely. Your trade-in's value can go toward your down payment - in many cases covering a meaningful part of it. Bring the vehicle and any title information and we'll appraise it while you browse.
What kinds of vehicles do you sell?
Hand-picked used cars, trucks, SUVs, and vans chosen for reliability and value. Every vehicle is inspected and reconditioned before sale and includes a free 30-day / 3,000-mile powertrain warranty.
Where are you located and when are you open?
8201 US Highway 19 in Port Richey, FL, on the east side of the highway. Sales is open Monday-Friday 9am-6pm and Saturday 9am-5pm. No appointment needed - walk-ins welcome.
Have a different question?
Visit our full FAQ page or call 727-222-5501.
Your Buy Here Pay Here Dealership in Port Richey, FL
Auto Credit Center is a family-owned Buy Here Pay Here dealership located at 8201 US Highway 19 in Port Richey, Florida — but we’re not the buy here pay here you’re picturing. Step into a clean, modern showroom that feels more like a new-car store, with a team focused on one thing: getting you into affordable, reliable transportation. Because we are both the dealership and the lender, our customers get approved and drive home the same day — no outside banks, no waiting, and no judgment about past credit. We proudly serve drivers throughout Pasco County and the Tampa Bay area — including New Port Richey, Hudson, Holiday, Trinity, Spring Hill, Tarpon Springs, Land O’ Lakes, Wesley Chapel, Zephyrhills, and Dade City — as well as Tampa, St. Petersburg, Clearwater, Palm Harbor, Brooksville, and communities across the region.
Quality Used Cars, Trucks, SUVs & Vans
We hand-pick our inventory for reliability and value, and every vehicle is inspected and reconditioned before it goes up for sale — then backed with a free 30-day / 3,000-mile powertrain warranty. Want longer coverage? Extended breakdown protection of up to 36 months / 36,000 miles is also available on most vehicles, so you can drive with peace of mind well beyond the first month. Browse our current used car inventory online 24/7, or stop by our lot on US Highway 19 to take a test drive. If it turns out the vehicle is not the right fit, our 7-Day Worry-Free Exchange lets you swap it for another one in stock.
In-House Financing for Every Credit Situation
Bad credit, no credit, past repossessions, or bankruptcy — our approval process is built around your ability to pay today, not your past. As a true Buy Here Pay Here dealer, we make our own lending decisions in-house and report your payment history to the credit bureaus every month, so on-time payments help rebuild your credit. Get pre-approved online in minutes or call us at 727-222-5501.
On-Site Warranty Repair Center
We stand behind our vehicles long after the sale. Our in-house service department handles reconditioning, warranty repairs, and breakdown-protection repairs for the vehicles we sell, with extended breakdown protection plans available for long-term peace of mind.
Easy to Reach from Anywhere in West Pasco
You’ll find us on the east side of US Highway 19 in Port Richey, minutes from New Port Richey and Holiday, and a short drive down US-19 from Hudson and Spring Hill. Coming from Trinity, Odessa, or Land O’ Lakes? We’re an easy trip west on State Road 54. Driving up from Tampa, Clearwater, or St. Petersburg? We’re a straight shot north on US-19 or the Suncoast Parkway. See our location page for hours and directions, or contact us with any questions.