Auto Credit Assistance Corp provides all financing for 1st Choice which allows flexibility and individual structuring of each loan. Our loans are structured to fit individual needs and goals. 

Criteria for ACAC Approvals

At 1st Choice Auto Center, our goal is to make the car-buying process straightforward while ensuring we can offer financing that works for you. To be approved, we require a completed, signed, and dated credit application along with the following information:

Residency History:
Please provide 5 years of residence history, including the name, address, and phone number of your current landlord or mortgage holder. If you live with a relative, include their name, phone number, and relationship to you.

Employment History:
Provide 3 years of employment history. If you've been with your current employer less than one year, please include the employer's name, phone number, and dates of employment. If you are self-employed, submit your previous 2 years of tax returns.

References:
We require a minimum of 5 references/contact points. Include the name, complete physical address, phone number, and relationship for each. References cannot all be from the same household, with the exception of a significant other if not listed on the loan. References cannot duplicate employer or supervisor contacts. At least 3 references should be family members or relatives.

It is important that all information provided is accurate and verifiable, as unverifiable information may result in disqualification. 

Documentation Required for Approval

Proof of Income:
Acceptable documentation includes:

  • Most recent paycheck stub with year-to-date earnings

  • Previous 2 years of tax returns

  • 1099 forms and/or W-2s

If providing documents electronically, please ensure you can transfer and share files securely. Exceptions may be made through verbal verification by ACAC management.

Proof of Insurance:
Please provide verification from your insurance company, which may include:

  • Insurance card

  • Billing statement

  • Other official proof

Valid NC Driver's License:
Federal law requires a copy of your valid North Carolina driver's license for identification purposes before the title transfer can be completed.

At 1st Choice Auto Center, we make it easy to discover how to buy a car with no credit in Western North Carolina by offering premier Buy Here Pay Here services across Hendersonville, Asheville, and Waynesville, NC. Whether you are searching for used cars for sale in Hendersonville or need second chance auto loans in WNC, our in-house financing ensures that drivers from Arden, Fletcher, Skyland, and Fairview can secure low down payment used cars regardless of their credit history. As leading credit reporting dealers, we provide used cars with a warranty to residents throughout Henderson, Buncombe, Transylvania, and Haywood Counties, extending our reach to Brevard, Weaverville, Sylva, and Leicester. From the used inventory in Forest City and Rutherfordton to specialized in-house financing in Black Mountain, Swannanoa, and Candler, we are the go-to destination for used cars with no credit check. Residents in Flat Rock, East Flat Rock, Saluda, and Tryon can also take advantage of our used cars with warranty in NC, while those in Columbus, Lake Lure, Canton, and Lake Toxaway can learn how to earn a referral bonus by helping neighbors find reliable transportation. Whether you are in Zirconia, Tuxedo, Cedar Mountain, or Rosman, 1st Choice Auto Center is your trusted partner for low down payment solutions and quality used inventory across the entire region.