About Us

Our Company

America’s Choice Cars & Credit Inc. and America’s Finance Inc. are both family owned companies. In business for 21 years, we presently have 2 locations and serve 4 territories with plans for expansion.

Down Payments

Down payments are flexible. For example, if you have a lot of time in the area and have a stable employment history you may qualify for a very low down payment, or even on some vehicles, 0 down, you would pay only tax and tags. Since everything is done ‘in house’ you will deal with the same people from start to finish. Many approvals are the same day. Payments are made affordable and can be made at our in house finance company. We also accept credit card payments, or we can even take the payment directly from your checking or savings account, from a bank or credit union. Your payment day will match your pay day! All of our vehicles are state inspected and you may take it to your mechanic before you buy.

Approvals and Payments

Since we are a bank, as well as a car sales operation, everything is done in right here! Most of our payments are between $150 and $175 every two weeks or whatever would match your pay cycle. Your application, whether in person or online, will be processed in minutes and the good news is “you’re approved” as we have a 100% approval policy!!

Free Fluid Checks!

On the first weekend of every month we have free fluid checks and ‘top offs’ at each America’s Choice location. We have free refreshments to go along with this service. Just another benefit when you become an America’s Choice ‘member’!

State Inspection

Free State inspection for the life of your loan (Appointment necessary). We will State inspect your vehicle free of charge and do necessary repairs to pass inspection with no cash up front. We will add the repairs to your account (as long as your account is in good standing and current)! Another benefit of being an America’s Choice member!

General Maintenance

We will perform general maintenance to your vehicle (appointment necessary) such as tires, oil change, repairs etc. We can do this for 25% of the cost of repairs paid up front and the balance added to your account. Account must be in good standing and current. Another benefit of being an America’s Choice member!

Warranty and Repairs

When comparing warranties there are a few things to consider: First and foremost if you have a warranted component fail, how long will it take to get your car fixed and back to you? If it takes a week or more for this repair than you really don’t have a warranty. America’s choice will get your car turned around and back in your hands usually within 24 hours. Since most of our loans are around 2 years, you will have the confidence of being under warranty throughout all of, or most of, your loan period.

No Deductables

Most of our competitors have a deductible that must be paid even if the failed component is under warranty. For example; if your alternator failed you would be responsible for the tow and a $100 deductible to cover the repair. At America’s Choice there are no deductibles.

Warranty Coverage

The engine and all of its internally lubricated moving parts. The transmission or trans axle and all of its internally lubricated moving parts. The most common failure on a vehicle today is a water pump and yes we cover that also. We also cover starter, alternator and fuel pump. We do this for 24 months or 24 thousand miles. Like everything we do, our warranties are simple, no tricks, just good coverage!

Repairs and Maintenance

During your years of driving, your vehicle will need repairs and maintenance outside of warranty work. You can arrange repair and maintenance with us (appointment necessary) to keep your vehicle running and running properly. With a paid up current account, you can pay as little as 25% up front for repairs and carry the remainder on your account at only 6% interest.

State Inspection

By state law your vehicle must have a current state inspection and in some counties must have a current emission inspection.

Member Benefits

We will have your vehicle state inspected and emission inspected at no charge! (Appointment necessary) Any needed repairs to pass these inspections can be charged to your account with no cash up front! Again you must have a paid up current account to take advantage of this new benefit!