American Cycle Finance offers lending solutions to customers who have experienced credit turn downs or declines. Our growing dealer network features nearly 400 motorcycle retailers in 18 states ready to assist riders to get in a loan and get on a bike. The ACF program offers dealers the chance to assist consumers with current or past credit challenges and give them the opportunity to re-establish credit and get a second chance in order to finance a motorcycle. ACF reports payment activity on all consumer accounts to the major credit bureaus, enabling many riders to improve their credit scores and qualify for other forms of credit and loans. We approve customers based on a series of factors and verifiable information. A credit score is not one of them. For this reason, we can guarantee approvals! For these reasons, ACF is a win-win for consumers and dealers.