“Family Owned & Operated Since 1970

Business Location
3413 Fulton Ave.
Sacramento CA. 95821

Business Hours
Monday–Friday 10:00AM to 6:00PM.
Saturday 10:00AM to 4:00PM.
Closed on Sundays.

Contact Information
Office: (916) 488-0111
FAX: (916) 488-2113

To find our dealership, please visit MapQuest, Microsoft Live Local, or Google Earth.

Customer Reviews
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Feel safe about your purchase.

Although Auto Credit 1, Inc. does not provide vehicle warranties, we can offer you a free CARFAX report, which is the first step to protecting yourself against buying a used car with costly hidden problems. CARFAX searches its nationwide database and provides a detailed vehicle history report. We recommend, and feel that it's best to have the car of your choice inspected by an independent mechanic before you buy it.

For about $100 or less, you'll get a general indication of the mechanical condition of the vehicle. An inspection is a good idea even if the car has been certified and inspected by the dealer and is being sold with a warranty or service contract. A mechanical inspection is different from a safety inspection. Safety inspections usually focus on conditions that make a car unsafe to drive. They are not designed to determine the overall reliability or mechanical condition of a vehicle. For more information regarding a "Pre-Purchase Independent Inspection," click here.

Things to Know

"The prospective purchaser of a vehicle may, at his or her own expense and with the approval of the dealer, have the vehicle inspected by an independent third party either on or off these premises." CVC section 11709.

"California law does not provide for a 'cooling-off' or other cancellation period for vehicle lease or purchase contracts. Therefore, you cannot later cancel such a contract simply because you change your mind, decide the vehicle costs too much, or wish you had acquired a different vehicle. After you sign a motor vehicle purchase or lease contract, it may only be canceled with the agreement of the seller or lessor or for legal cause, such as fraud.

"However, California law does require a seller to offer a 2-day cancellation option on used vehicles with a purchase price of less than $40,000, subject to certain statutory conditions." CVC section 11709.2.

Welcome to Auto Credit 1! If you are considering purchasing a used automobile, we have In-House Financing programs to fit your needs. No matter how good or bad your credit is, we will work hard to help you get into a vehicle, and with the lowest possible down payment. Even if you currently have tax liens, garnishments, judgments, or a discharged bankruptcy, we can help.

We Simply Need Verification and Copies of the Following and Your Loan Will Be Approved:
  • A Valid California Driver License
  • Social Security Card
  • 1 Month of Pay Stubs
  • Phone Bill (Home or Cell)
  • Utility Bill (PG&E, SMUD or Cable)
  • Tenant Agreement or Mortgage Statement
  • 6 References (4 Family Members & 2 Friends)
  • Be At Your Job At Least 1 Year
  • Be At Your Residence At Least 1 Year
  • Must reside in Sacramento County

To make things faster, you can also conveniently print and fill out our application.

Payment Plans
  • Minimum Down Payments as Low as $750
  • Installments for Down Payment Available Upon Credit Approval
  • All Deposits must be paid by cash, Visa, Mastercard, Debit, or Money Order.
  • Monthly Payments Starting As Low As $225 a Month
  • 24 Month Financing

If you are unable to qualify, you may ask a family member or spouse to cosign for you. For more information regarding "Financial Responsibility for Auto Loan Contracts," please click here.

Monthly Payment Calculator:

We offer a link to a Monthly Payment Calculator to assist you with an approximate monthly payment. To make sure your monthly payment is as accurate as possible, please add a $55 Document Preparation Charge; California and Local Tax Fees (which can be calculated here), and a $15 Registration Fee, to the Sum Total: