Best Subprime Auto Lenders

1st Investors Financial Services

380 Interstate North Parkway, 3rd floorAtlanta, GA 30339

866-889-6495

https://www.fifsg.com/

Servicing: Franchise Dealerships

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722 Redemption

169 Northland Blvd Cincinatti, OH 4524

6888-721-2800

https://www.722redemption.com/AutoDealers

Servicing: Franchise DealershipsAvailable

States:All 50 states

Notes:Specializes in financing Chapter 7 BKs

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Ace Motor Acceptance Corp.

111 Cupped Oak Dr. Suite F Matthews, NC 2810

4704-882-7100

https://www.acemotoracceptance.com/

Servicing: Franchise and Independent Dealerships

Available States:AL, FL, GA, KY, MS, NC, SC, TN, TX, VA

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AFS Acceptance LLC

P.O. Box 189007 Plantation, FL 3331

8877-223-3254

https://www.afsacceptance.com/

Servicing: Franchise and Independent Dealerships

Available States:AL, AZ, CA, CO, FL, GA, ID, IL, IN, KY, LA, MD, MI, MN, MO, MS, NC, NJ, NM, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WV

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Ally Financial

P.O. Box 380906 Bloomington, MN 5543

8866-766-4622

https://www.ally.com/dealer/

Servicing: Franchise and Independent Dealerships

Available States:All 50 states

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American Credit Acceptance

961 E. Main St.Spartanburg, SC 2930

2866-202-6918

https://www.americancreditacceptance.com/About

Servicing: Franchise and Independent Dealerships

Available States:All 50 states EXCEPT: AR, HI, NY

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Automotive Credit Corp.

26261 Evergreen Rd. Suite 300 Southfield, MI 4803

7800-810-2202

https://www.automotivecredit.com/

Servicing: Franchise and Independent Dealerships

Available States:AL, AR, DE, FL, GA, IL, IN, KS, KY, MD, MI, MO, MS, NJ, NY, OH, TN, VA

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AutoUse

45 Haverhill Street Andover, MA 0181

0800-873-2907

https://www.autouseautoloan.com/

Servicing: Franchise and Independent Dealerships

Available States:CT, DE, FL, MA, MD, ME, NH, NJ, PA, RI, VA

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Capital One Auto Finance

7933 Preston RoadPlano, TX 75024-2302800-946-0332

https://www.capitalone.com/auto-financing

Available States:All 50 states EXCEPT: AK, HI

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Central Credit Corp.2

Locations – Central Ohio and Central Mississippi Ohio – 888-737-2622 x 351Mississippi – 866-443-0877

https://www.coccfinancial.com/dealers.html

Servicing: Franchise and Independent Dealerships

Available States:KY, MS, OH

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Crescent Bank & Trust

1100 Poydras Street Suite 100 New Orleans, LA 70163800-264-4381

https://www.cbtno.com/auto-dealers

Available States:AL, AR, CO, FL, GA, IL, IN, KS, KY, LA, MD, MI, MN, MO, MS, NC, NJ, NM, NY, OH, OK, PA, SC, TN, TX, VA, WA, WV

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Challenge Financial Services, Capital Group

1004 W. Taft Avenue # 100Orange, CA 92865714-919-8180 ext. 147

www.cfscgnow.com

Available States:AZ, CA, TX, UT

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Chase Custom Finance

Multiple Branch Locations

800-223-5050

https://www.chase.com/business-banking/dealer-services

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Consumer Portfolio Services – CPS19500

Jamboree RoadIrvine, CA 92612800-304-6812

http://www.consumerportfolio.com/dealers-home.php

Servicing: Franchise and Independent Dealerships

Available States:All 50 states EXCEPT NY, TN

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Credit Acceptance Corp. (CAC)25505

W. Twelve Mile Road Southfield, MI 48034800-873-0512

https://www.creditacceptance.com/dealers.aspx

Available States:AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA,MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH,OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY

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CUDirect Lending (CUDL)

2855 E. Guasti Road, Suite 500Ontario, CA 91761

(877) 744-2835

https://www.cudirect.com/products/dealers/cudl

Servicing: Franchise and Independent Dealerships

Available States:All 50 states

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Dependable Credit

285 Saw Mill River Road Yonkers, NY 10701914-964-9100

https://www.dependablecredit.com/_index.php

Servicing: Independent Dealers

Available States:MA, PA, NJ, NY, CT, MD

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Equity Auto Finance

2700 W. Cypress Creek Road A101 Fort Lauderdale, FL 33309

800-683-1095

http://equityautofinance.com/

Servicing: Franchise Dealerships

Available States:FL, GA

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Exeter Finance Corp.

P.O. Box 166008 Irving, TX 75016

866-226-2285

https://www.exeterfinance.com/

Available States:All 50 states

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Fifth Third Alternative Finance

866-475-0729

https://www.53.com/commercial-banking/industry-specializations/dealer-financial-services/index.html

Servicing: Franchise and Independent Dealerships

Available States:45+ states

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Flagship Credit Corp.

P.O. Box 1419 Chadds Ford, PA 19317

800-327-8543

https://www.flagshipacc.com/

Servicing: Franchise and Independent Dealerships

Available States:AL, AR, AZ, CA, CO, DE, FL, GA, ID, IL, IN, KS, KY, LA, MD, MI, MO, MS, NC, NJ, NM, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WV

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Friendly Finance

6340 Security Bulevard, Suite 200 Baltimore, MD 21207

800-872-2877

https://www.friendlyfinancecorp.com/

Servicing: Franchise and Independent Dealerships

Available States:AZ, CO, DE, GA, IL, IN, KS, KY, MD, MI, MN, NE, OH, TN, VA

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Global Lending Services, LLC

P.O. Box 935538 Atlanta, GA 31193

877-524-9380

http://glsllc.com/

Servicing: Franchise Dealerships

Available States:All 50 states

801 Cherry Street Suite 3500 Fort Worth, TX 76102888-556-4616

https://dealers.gmfinancial.com/product-offerings/nonprime-auto-loans.aspx

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Honor Finance

909 David Street Suite 260 Evanston, IL 60201

847-440-2555

http://honorfinance.com/dealers.html

Servicing: Franchise and Independent Dealerships

Available States:AZ, GA, ID, IL, IN, MI, NV, OH, SC, UT, WI

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Lobel Financial

1150 North Magnolia Avenue Anaheim, CA 92801

800-871-8051

https://www.lobelfinancial.com/

Servicing: Franchise and Independent Dealerships

Available States:AZ, CA, KS, MO, NM, NV, TX

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Mid-Atlantic Finance

4592 Ulmerton Road Suite 200 Clearwater, FL 33762

888-243-8367

https://www.midfinance.com

Servicing: Franchise and Independent Dealerships

Available States: All 50 states EXCEPT for NY

Notes: 2 programs – BHPH contract purchases & point of sale programs for dealers

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Nationwide Acceptance Corporation

3435 N. Cicero Avenue Chicago, IL 60641

888-885-6267

https://www.nac-loans.com/auto-dealer-services

Servicing: Franchise and Independent Dealerships

Available States:AL, AZ, CA, FL, GA, ID, IL, IN, KS, LA, MI, MN, MS, MO, NE, NV, NM, NV, OH, OR, SD, TN, UT, WA, WI, WV

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Nicholas Financial

2454 McMullen Booth Road – Bldg CClearwater, FL 33759

800-237-2721

https://www.nicholasfinancial.com/

Servicing: Franchise and Independent Dealerships

Available States:FL, GA, IN, KY, MD, MI, NC, OH, SC, VA

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Pelican Auto Finance

P.O. Box 420848 San Diego, CA 92142

866-989-9688

https://www.pelicanaf.com/home

Servicing: Franchise and Independent Dealerships

Available States:CO, GA, IL, MD, MO, NC, NV, OK, PA, SC, TX

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People’s Credit

4950 NE 148th Avenue Portland, OR 97230

800-531-4420

https://www.peoplescredit.com/

Servicing: Franchise and Independent Dealerships

Available States:AZ, CA, GA, ID, MS, NC, NV, OR, PA, SC, TN, WA

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People’s Credit

505 West Route 34 Plano, IL 60545

630-552-7974

https://www.peoplescredit.net/

Servicing: Franchise and Independent Dealerships

Available States:IL

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Professional Financial Services (PFS)

Connect with us on Dealertrack or RouteOne – or find your local branch at www.pfs-corp.net

Specializing in new and used automobiles, trucks, and motorcycles, originated by franchise and independent dealers.

Proudly serving dealers in: AL, FL, GA, IN, KY, NC, OH, SC, TN, TX, VA

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Prestige Financial

1420 South 500 West Sale Lake City, UT 84115

888-822-7422

https://www.myprestige.com/

Servicing: Franchise and Independent Dealerships

Available States:AL, AR, AZ, CA, CO, CT, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NE, NC, ND, NH, NJ, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, CA, WA, WI, WV, WY

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Regional Acceptance Corp.

1424 East Fire Tower RoadGreenville, NC 27858

252-321-7700

https://www.regionalacceptance.com/home

Servicing: Franchise and Independent Dealerships

Available States:AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MD, MI, MN, MO, MS, NC, ND, NE, NJ, NM, NY, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI, WV, WY

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Reliable Auto Finance

P.O. Box 9700 Wyoming, MI 49509

800-373-9933

http://reliableautofinance.com/dealer.htm

Servicing: Franchise and Independent Dealerships

Available States:IN, MI, OH

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Santander Consumer USA Inc.

P.O. Box 660633 Dallas, TX 75266

0633888-222-4227

https://www.santanderconsumerusa.com/

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Southern Automotive Finance Co. – SAFCo800-277-9198

http://gosafco.com/

Servicing: Franchise and Independent Dealerships

Available States:AL, AZ, FL, GA, IL, IN, KS, KY, MI, MO, NC, NJ, NM, OH, OK, SC, TN, TX, VA

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Seven Lynx Financing

8004 NW 154th ST. Unit 136 Miami Lakes, FL 33016888-597-5969

https://www.sevenlynxgroup.com

Servicing: Independent Dealerships

Available States: FL

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Skopos Financial, LLC

P.O. Box 143454 Irving, TX 75014

214-520-4600

https://www.skoposfinancial.com/

Servicing: Franchise Dealerships

Available States:AL, AZ, CO, FL, GA, IL, IN, KY, MD, MI, MO, NC, OH, OK, SC, TN, TX, VA, WV

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Spartan Financial Partners

961 East Main Street Spartanburg, SC 29302855-233-3605

www.spartan-partners.com

Available States:All 50 states EXCEPT AR, HI, NY

Notes:Capital Solutions BHPH for American Credit Acceptance

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TEBO Financial Services Inc.

4801 Dressler Road NW Suite 194 Canton, OH 44718888-441-4344https://www.tebofinancialservices.com/

Servicing: Franchise and Independent Dealerships

Available States:IN, NY, OH, PA, VA

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Tidewater Finance Company

6520 Indian River RoadVirginia Beach, VA 23464800-535-4087

https://www.tidewatermotor.com/

Servicing: Franchise and Independent Dealerships

Available States:AL, AZ, CA, CO, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, MD,MI, MN, MO, MS, NC, NE, NJ, NM, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI, WV, WY

Notes:1,890 Google Reviews

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United Acceptance Inc.

2400 Lake Park Drive SE Suite 100 Smyrna, GA 30080888-951-9512https://www.unitedacceptance.com/

Servicing: Franchise and Independent Dealerships

Available States:All 50 States EXCEPT ME, ND, NY, VT

Notes: Purchase Bulk BHPH Receivables

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United Quest Financial Inc.

P.O. Box 370814 Miami, FL 33137855-476-8873

https://www.united-quest.com/

Servicing: Franchise and Independent Dealerships

Available States:FL, GA, NC, SC, TN, TX, VA

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U.S. Auto Credit8375

Dix Ellis Trail Suite 300Jacksonville, FL 32256877-280-9267

https://www.usautocreditcorp.com/

Services:Franchise and Independent Dealerships

Available States:AL, FL, GA, KY, NC, SC, TN, VA

Notes:Focused on indirect funding program, does some bulk purchasing of receivables

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Veros Credit888-891-8807

https://www.veroscredit.com/index.php/dealers/

Servicing:Franchise and Independent Dealerships

Available States:AZ, CA, CO, FL, NV, UT, VA

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Wells Fargo Dealer Services

888-937-9997

www.wellsfargodealerservices.com

Services:Franchise and Independent Dealerships

Available States:All 50 states EXCEPT AK, AR, LA

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Westlake Financial Services

888-893-7937

https://www.westlakefinancial.com/Services:Franchise and Independent Dealerships

Available States:All 50 states