History of Excellence, Integrity and
Quality Service in Auto Finance

Our Mission

U.S. Auto Credit’s goal is to provide dealers with a financing source that better equips them to say yes to their credit-challenged customers. We believe that all of our customers should be treated with fairness and dignity.

Our company is a division of the Scott-McRae Automotive Group, a private, family-owned business that was founded in Jacksonville, Florida over 100 years ago. With so many years in the automotive business, we have the experience, knowledge, financial strength and cutting-edge products to help dealers successfully serve their credit-challenged customers.

Our Company

Founded in 1988 as Auto Credit of Florida, U.S. Auto Credit has grown into a well-respected indirect lending source for over 1,700 dealers. Providing value and fast personalized service are key components to our success.

In addition to serving our customers, we have a long history of supporting the communities in which we live. We’re proud to support a number of community and charitable organizations including the American Cancer Society, the American Red Cross, the Salvation Army, the American Lung Association and the ALS Association.

U.S. Auto Credit purchases retail installment sales contracts in the following states:

  • Alabama
  • Arizona (Bulk Only)
  • Florida
  • Georgia
  • Indiana
  • Kentucky
  • Michigan
  • Missouri (Bulk Only)
  • North Carolina
  • Ohio
  • Oklahoma (Bulk Only)
  • South Carolina
  • Tennessee
  • Texas
  • Virginia