By invitation only
Your auto credit application, already started.
Enter the Invitation Code from your mailer. Your name and address are already filled in — confirm it's you, tell us where to text you, and send your credit application to the dealership in a few minutes.
- About 3 minutes
- Name and address already filled in
- A specialist texts you
How it works
Four short steps. Your name and address are already in.
About three minutes, start to finish.
Enter your Invitation Code
It's the 9-digit number by the barcode on your mailer. We find your invitation and the dealership that sent it.
Confirm it's you
You'll see your name and part of your address. A few optional questions about your situation help your specialist line up lenders.
Tell us where to text you
Leave your mobile number, and email if you like. A specialist at the dealership will text you. Nothing up to here checks your credit.
Finish your credit application
A few more details and your OK, then it goes securely to the dealership, which reviews it with its lenders before you visit.
What you'll need
Three things, and a couple of minutes.
Applying before you visit lets your specialist look at options with lenders ahead of time, so your visit can start with real options. Each lender decides on its own, and not everyone will qualify.
- Your mailerFor the 9-digit Invitation Code printed by the barcode.
- Your mobile phoneYour specialist texts you there about your application and a time to visit.
- Your OK for a credit checkThe credit application is a hard inquiry, so we ask before anything is sent. You can also apply at your visit instead.
- Encrypted in transit
- Shared only with the dealership and its lenders
- Never sold
What to bring
For your visit to the dealership.
Missing one? Bring what you have — your specialist will tell you what else would help.
Driver's license
Valid and in your name.
Proof of income
Recent pay stubs, or bank statements if you're self-employed.
Proof of residence
A recent utility bill or similar, with your current address.
Your down payment
If you're making one.
Trade-in title or payoff info
If you're trading in a vehicle.
Questions
Straight answers before you start.
Anything else? The dealership named on your mailer is happy to help.
Is this a real invitation?
Yes. Your mailer came from the dealership named on it, and your Invitation Code is tied to that mailing — enter it and you'll see your own name and part of your address before anything else happens. Nothing is bought or signed on this site.
Will this affect my credit score?
Entering your Invitation Code and contact details doesn't check your credit. The credit application does: when you send it, you authorize the dealership and the lenders it works with to obtain your credit report. That's a hard inquiry, which may affect your credit score. You'll be asked for your permission first, and you can skip it and let your specialist take your application at your visit instead.
How is my information protected?
Your application is sent over an encrypted connection to the dealership and the lenders it submits your application to. It's used for nothing else, and never sold.
Will I be approved?
No one can promise that. Each lender makes its own decision based on your full application, and not everyone will qualify. Your specialist will walk you through whatever options the dealership finds for you.
How will the dealership reach me?
By text. Your specialist texts you at the mobile number you give, about your invitation and your application. Reply whenever it suits you, or reply STOP to end the texts. You're never obligated to buy.
Why do you ask about my credit and down payment?
Those questions are optional, and you can skip any of them. Your answers help your specialist match you with lenders that fit your situation. Answering them doesn't check your credit.
Where do I find my Invitation Code?
It's the 9-digit number printed under the barcode on the invitation your dealership mailed you. Scanning the QR code with your phone's camera opens this site with your Invitation Code already filled in.
Does it cost anything?
No. There's no charge to use this site or to talk with the dealership's specialist, and you're never obligated to buy.
Is My Auto Credit a lender?
No. It connects you with a participating local dealership. Financing comes from third-party lenders through the dealership, and their terms depend on your full credit application.
Ready when you are.
Your invitation is good through the date printed on your mailer. Enter your Invitation Code to finish your credit application with the dealership.