About Us

The Largest Special Finance Auto Lender in the Area


It is the goal of Auto Credit to find the right car at the right terms for people who either have no credit or have experienced credit problems. In fact, at Auto Credit, we don’t care about your past credit problems, we only care about your ability to make payments going forward.

We know that bad credit situations happen to good people.
  • Job Loss
  • Medical Problems
  • Divorce
  • Credit Cards
  • Bankruptcy
  • Many Others

At Auto Credit, we want to help you find the car you want at payments you are comfortable with. We specialize in short term loans (usually 3 – 3.5 years) so that you can get your credit re-established. We report to the credit bureau every month to give you the opportunity to improve your credit situation.

  • We are largest special finance auto lender in the area.
  • We are one of the largest car dealers in Southern Illinois.
  • We have approved over 35,000 people in Southern Illinois for financing.

You can be assured, you will be dealing with a well established company.


Must be 18 years or older
Make $300 a Week
Have a valid Illinois driver’s license


  • Q: Is it hard to get a loan at Auto Credit?

    A: Getting approved at Auto Credit is EASY! To get approved, you just must meet the following 3 requirements: 1) Be at least 18 years of age. 2) Have a valid Illinois Drivers License. 3) Have take-home pay of at least $1200 per month (after taxes). If you meet these 3 basic requirements, you are APPROVED at Auto Credit.

  • Q: How long does it take to get approved?

    A: At Auto Credit we can APPROVE you in just 10 minutes! To set up an appointment to get approved today call 618-997-5800.

  • Q: How many vehicles will I get to choose from?

    A: You can choose from any of the over 500 vehicles we have available right now. Down payments vary based on your individual approval and the vehicle you choose. Our trained Approval Specialists will help you find the vehicle and the payment that is perfect for you!


  • This was our 1st time here and everyone here was very kind, courteous and helpful. We will recommend friends and family here. (5/5 Stars. Approval Specialist: Derick Younger, Mt. Vernon.)James Pate
  • “First time purchasing a vehicle by myself so I was nervous but it was GREAT!” (5/5 Stars. Approval Specialist: Sparky, Marion)Sonya Rose


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