Ben Bennetton is the new the branch manager at the new Telford Square site. He relocated from Portsmouth to Edinburgh with his family to take up the position.
Gary Hawkins, managing director of ACF, said: "Acquiring a poor credit history can happen to anybody. Any of a number of circumstances can mean it becomes difficult to get a loan.
“Cars and the credit to buy them are crucial to living a normal life. We no longer class a car as a luxury."
As well as the new Livingston branch, ACF has branches in Kent, Bristol, Dunstable, Isleworth, Leeds, Manchester, Mansfield and Walsall. ACF sells over 8,000 cars a year and employing over 150 people.