Welcome to Central New York Credit Approval in the Finger Lakes Region of New York

If you live in Ithaca, Watkins Glen, Elmira, Horseheads, Endicott, Johnson City or surrounding areas, Central New York Credit can help. In today's world many people have struggled to keep up with everything including monthly or everyday payments. Our finance team understands that anyone can run into financial difficulties during their lifetime that may affect their credit score. If you have experienced divorce, non-payment of bills, unexpected medial bills, mortgage payments you couldn't keep up with, job loss, no credit history or first time car buyer, we are interested in giving you a second chance with our Guaranteed Credit Approval System through Credit Acceptance. Credit Acceptance understands that good people can incur bad credit. This program will allow you to purchase a better vehicle than what you could pay cash for and could help your credit score by making on-time payments on your auto loans.

Getting approved is as simple as filling out an application online. We can get you approved injust a matter of minutes. Then, you'll be on your way to getting an auto loan that gets you behind the wheel of your next car.

We regularly work with customers with less than perfect credit but make it a point to approve drivers with all sorts of circumstances, including:
• No credit
• Fixed or Temporary Income
• Bankruptcy Chapter 7 and Chapter 13
• Multiple Open Auto Loans
• Self-Employment or Unemployment Income
• And more!

To get you approved and find financing that works for you, we work with Credit Acceptance. This indirect finance company is trusted by dealerships across the country. It's a reliable way to buy your next car, truck, or SUV on credit. Get Started today!

To learn more about our guaranteed credit approval program, contact the finance center at Central New York Credit Approval. We want to help every driver in Ithaca, Cortland, Binghamton and Elmira buy the car, truck, or SUV that's right for you. If you're ready to get started, you can apply online right now!


Central New York Credit Approval

318 Elmira Road 14850
Directions Ithaca, NY 14850

  • Sales: (607) 256-3300


  • Monday 8:00AM-8:00PM
  • Tuesday 8:00AM-8:00PM
  • Wednesday 8:00AM-8:00PM
  • Thursday 8:00AM-8:00PM
  • Friday 8:00AM-6:00PM
  • Saturday 8:00AM-6:00PM
  • Sunday Closed