Family owned and operated, Auto Credit Builders has been in business for over 10 years Payment assistance, $150 referral program when you refer a friend, family or co-worker We report to the credit bureau. This will help you establish or re-establish your credit, making it easier to increase your buying power and credit score. Flexible down payments. Unlike other Buy Here Pay Here's we do not require a large down payment Flexible Financing, we offer multiple payments plans. You can pay weekly, bi-weekly, semi-monthly or monthly. And most of the loans are for 2 1/2, 3, 3 1/2 or 4 years. Since we are affiliated with Pearson Ford, we offer a complete service department.