Fast Approval

Easy as 1-2-3! Just bring 1 month of pay stubs for proof of income, A bill for proof of residence, and a valid identification.

Accelerate car buying with pre-approval!


Auto Credit Group: Nashville's Used Car Dealership Buy Here Pay Here

At Auto Credit Group, we specialize in Buy Here Pay Here financing and conventional loan programs, serving customers in Nashville, TN, and beyond. Whether you have good credit, bad credit, or no credit at all, we have tailored financing options to suit your needs. Our comprehensive services include an in-house maintenance facility, 4-year extended service plans, and nationwide vehicle shipping.

Our inventory features Carfax-certified vehicles with available Carfax Buyback Guarantee certificates for all qualifying cars. Additionally, all loans, whether from our conventional lenders or Buy Here Pay Here, are reported to the credit bureau, helping our customers build and improve their credit scores.

We proudly serve customers in Nashville, TN, and the surrounding areas, including Hermitage, Mount Juliet, Lebanon, Smyrna, Murfreesboro, and Dickson. If you’re looking for a reliable Buy Here Pay Here car dealership, visit Auto Credit Group today!

The Friendly Approach to Buying Your Car

Auto Credit Group recognizes that life can pose unforeseen financial challenges. Hence, we provide adaptable financing solutions to assist individuals who may have faced rejection from conventional banks. We take pride in helping customers in the following situations:

#1 Vehicle Dealership in Nashville, TN

No Hassle Car Buying

Purchase With Pride

Unbeatable Offers

We Buy Every Car

Huge Selection Of Pre-Owned Cars

* All our cars come with up to 4 years unlimited miles warranty

Common Questions

Auto Credit Group, find cars, trucks, and SUVs hassle-free. Visit us today!

Buy Here Pay Here (BHPH) refers to a financing model commonly used by car dealerships where customers can purchase a vehicle directly from the dealership and make regular payments to them, typically on a weekly or bi-weekly basis. BHPH provides an alternative option for individuals with poor credit or no credit history to obtain a vehicle. Unlike traditional financing or leasing, the customer works towards owning the vehicle through their payments, and ownership will eventually transfer from the dealership to the customer once all payments are made. BHPH allows customers to enjoy the benefits of vehicle ownership while accommodating their credit challenges, making it a viable solution for those seeking reliable transportation.

To qualify for our buy here pay here financing, you’ll need your passport, ID or drivers license.

Our payment options are easy. You now have the convenience to make your payments online, over the phone, AutoPay or in person

Yes, in most cases, you can drive your vehicle home the same day.

At Auto Credit Group, we believe in providing equal opportunities for all. That’s why we offer financing options to every applicant who submits a completed credit application with the required documentation, regardless of their credit history. We handle the financing process in-house, allowing us to make decisions promptly and efficiently. We understand that your credit history doesn’t define you, and we are committed to helping you secure the financing you need to drive away in the vehicle of your choice. With Auto Credit Group, you can expect a fair and inclusive financing experience that puts your dreams within reach.

At Auto Credit Group, we recognize the significance of your payment history. That’s why we report your timely payments to a reputable credit bureau. By doing so, we ensure that your responsible payment behavior is recorded in your credit history, positively impacting your overall credit profile and score.

“Buy Here Pay Here” financing can be a valuable tool for improving your credit score. When you participate in a Buy Here Pay Here program, your on-time payments are reported to credit bureaus on a regular basis. By consistently making timely payments, you demonstrate responsible financial behavior, which can positively impact your credit history and score.

If you miss a payment on your Buy Here Pay Here loan, it’s important to contact us immediately. We are here to help and provide support during challenging times. We understand that unexpected circumstances can arise, and we are committed to assisting you in finding a solution. When you reach out to us promptly, we can explore potential options, such as a grace period or loan restructuring, designed to help you catch up on missed payments.

Refer A Friend And Get $200!

Refer a friend, family member, co-worker, or anyone to buy a vehicle, and receive a $200 credit towards your payment when they purchase a vehicle. . There’s no cap on how many referrals you can accumulate. The possibilities are endless. Refer sufficient friends, and you might never have to make a payment again!

* see dealer for more details

Fast Approval

At Auto Credit Group, getting on the road is as easy as 1-2-3, even with no credit check! Just bring:

  • 1 month of pay stubs for proof of income
  • A bill for proof of residence
  • A valid identification

Submit your documents and drive off in an instant!!

Customer Testimonials: Real Experiences, Real People

Jenifer Rose DeArmond
Read More
I recently purchased a car with Eli at Auto Credit Group, and I can't speak highly enough of the experience I had! From start to finish, every aspect of the process was smooth, easy, and stress-free. They're a genuine team, which made the entire car buying experience enjoyable. I wouldn't hesitate to recommend Eli or the dealership to anyone!
Chris Griggs
Read More
I had an awesome experience at Auto Credit Group. It was fast easy hassle free. They have great deals. I love my 2018 Altima with low miles!!!!
Keith Corbin
Read More
These folks treated my wife and I with great respect and we love our new car. They included some extras that really surprised me. Thanks y'all! We'll be back.
Tamika Manning
Read More
OMG!!! The buying process was the easiest ever. The sales team is phenomenal, any and every question was answered professionally and friendly. I arrived with a certain amount of money and what I was interested in buying
Jennifer Carter
Read More
My experience purchasing a car from Auto Credit Group was excellent. I worked with Kavon through the entire purchase. He was fast to answer all my questions and helped out as much as he could. Auto Credit Group and Kavon was great
Michael Palmer
Read More
Would just like to Share: I love this Place... Big Shoot's out to Dylan Adams for his time and my buying experience there. I recently purchased a Pretty Cold SUV from Auto Credit Group and need to lay this out there
Nya & Bando
Read More
I JUST BOUGHT MY CAR ! They All Was SOO NICE , Had Great Customer Service Skills . They all question I had They took the anxiety out Of Car Buying . I HIGHLY Recommend & Im Going Too Highly Recommend !!
Lance Groves
Read More
Got me in there and worked with me when I was in tight spots money wise .I definitely recommend go see them if you can't find something you like and you will they'll find you what you may be looking for, honestly I'd check them out...