HAVE A QUESTION? FEEL FREE TO ASK US!
419-318-7990
The Auto Credit USA Difference
Service Contract and GAP insurance available
Regular reporting to Credit Bureau
Large selection of newer, lower mileage vehicles
Easy online Payment that can be automatic
We Are Here To Help
We help you drive away in a reliable used vehicle that fits your finances and helps you build and establish credit.
TRUSTED BY THOUSANDS
Thousands of happy customers and 5 star reviews across all of our locations and online platforms. The best Buy Here Pay Here in Toledo Ohio
Honest and Transparent
We're honest and transparent about our process and aim to help you succeed and improve your lifestyle.
Welcome to Auto Credit USA - Toledo
With over 25 years of industry experience, Auto Credit USA Toledo stands as your trusted and reliable Buy Here Pay Here in Toledo Ohio. We are dedicated to providing a hassle-free and rewarding car buying experience, especially for individuals facing credit challenges. Whether you have poor credit, or no credit, we are here to secure financing for quality vehicles at fair prices.
What sets us apart from other Buy Here Pay Here dealers is our unwavering commitment to customer satisfaction. A comprehensive 36-month/36,000-mile service contract is available with our vehicles. But beyond that, we treat each customer with the respect and dignity they deserve. Another thing that makes us different is that we are committed to helping people obtain financing and helping those who desire a fresh start. We aim to help, instead of putting you in a position that will result in stress and more credit issues down the road.
At Auto Credit USA Toledo, we understand that reliable transportation is crucial, regardless of your credit history. Our experienced team specializes in tailoring flexible financing options to your unique situation, ensuring our customers have the opportunity to drive away in a quality used vehicle. We are here to turn your car ownership dreams into reality. Our friendly and knowledgeable staff will guide you through the entire car buying process, making it transparent, stress-free, and enjoyable.
Discover the Auto Credit USA Toledo difference and let us help you overcome credit challenges. Say goodbye to credit rejections and embrace the opportunity to drive away in the car you deserve. Visit our dealership today and experience why we are the top choice for car buyers in Indiana and Ohio, regardless of credit history. Experience what it is like to do business with the #1 Buy Here Pay Here in Toledo Ohio!
Auto Credit USA – Toledo, OH
5744 Central Avenue
Toledo, OH
(419) 318-7990
Store Hours:
Monday: 9:00 AM – 6:00 PM
Tuesday: 9:00 AM – 6:00 PM
Wednesday: 9:00 AM – 6:00 PM
Thursday: 9:00 AM – 6:00 PM
Friday: 9:00 AM – 6:00 PM
Saturday: 9:00 AM – 4:00 PM
Sunday: Closed
Customer Reviews
Frequently Asked Questions
Experience hassle-free car financing with our Buy Here Pay Here (BHPH) option. Skip traditional lenders and make direct payments to us, unlocking a range of flexible financing solutions tailored to your needs. Discover the simplicity of BHPH financing as we guide you towards owning your dream vehicle.
The quickest and best way to find out if you qualify is to reach out to our experienced team. One of our friendly staff members will be able to tell you right away if you qualify for our program to get you in to a reliable vehicle.
Our calculations are based on your income and all other financial obligations you may have. With that information, we can determine a payment schedule that fits your particular circumstances. That may be weekly, bi-weekly or another plan. Remember, we want to help you any way we can. Unlike traditional car dealerships and banks, we will work with you to examine your current situation and not your past, so we can figure out a payment plan that works for you.
That depends on the price of the car and your existing credit score. A more significant down payment will always improve your chances of obtaining approval sooner. Not only that but with a larger down payment your car payments will be lower, and you have the possibility of paying your vehicle off sooner rather than later. If you are not sure about how much of a down payment you will need or what you can afford based on your monthly payments, give us a call and we will help you.
At Auto Credit USA Toledo, you can drive your chosen vehicle home the same day! We understand your eagerness to hit the road in your new car, and we’re committed to providing a seamless and efficient process. In most cases, we can make it happen, ensuring you can start enjoying your vehicle right away.
At Auto Credit USA Toledo, we believe in providing financing options for all applicants, regardless of their credit history. Our comprehensive in-house process carefully considers your complete application and required documentation, allowing us to tailor a decision that perfectly fits your specific needs.
Check out some of our satisfied customers
