Best Subprime Auto Finance Lenders
1st Investors Financial Services
380 Interstate North Parkway, 3rd floor Atlanta, GA 30339
866-889-6495
Servicing: Franchise Dealerships
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722 Redemption
169 Northland Blvd Cincinnati, OH 45246
888-721-2800
https://www.722redemption.com/AutoDealers
Servicing: Franchise Dealerships Available
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 28104
704-882-7100
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
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 48037
800-810-2202
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 01810
800-873-2907
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 Road, Plano, TX 75024-2302
800-946-0332
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 351
Mississippi – 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 70163
800-264-4381
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
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 Road, Irvine, CA 92612
800-304-6812
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 48034
800-873-0512
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 500, Ontario, 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 10701
914-964-9100
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
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
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 Boulevard, 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
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
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
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 Road, Greenville, 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 75266-0633
888-222-4227
https://www.santanderconsumerusa.com/
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Southern Automotive Finance Co. – SAFCo
800-277-9198
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 33016
888-597-5969
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
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 44718
888-441-4344
https://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 Road, Virginia Beach, VA 23464
800-535-4087
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 30080
888-951-9512
https://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
Servicing: Franchise and Independent Dealerships
Available States: FL, GA, NC, SC, TN, TX, VA
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U.S. Auto Credit
8375 Dix Ellis Trail Suite 300 Jacksonville, FL 32256
877-280-9267
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 Credit
888-891-8807
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
