Best Subprime Auto Lenders

1st Investors Financial Services
380 Interstate North Parkway, 3rd floor
Atlanta, GA 30339
866-889-6495
https://www.fifsg.com/
Servicing: Franchise Dealerships

722 Redemption
169 Northland Blvd
Cincinatti, 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

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

AFS Acceptance LLC
P.O. Box 189007
Plantation, FL 33318
877-223-3254
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

Ally Financial
P.O. Box 380906
Bloomington, MN 55438
866-766-4622
https://www.ally.com/dealer/
Servicing: Franchise and Independent Dealerships
Available States:
All 50 states

American Credit Acceptance
961 E. Main St.
Spartanburg, SC 29302
866-202-6918
https://www.americancreditacceptance.com/About
Servicing: Franchise and Independent Dealerships
Available States:
All 50 states EXCEPT: AR, HI, NY

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

AutoUse
45 Haverhill Street
Andover, MA 01810
800-873-2907
https://www.autouseautoloan.com/Default.aspx
Servicing: Franchise and Independent Dealerships
Available States:
CT, DE, FL, MA, MD, ME, NH, NJ, PA, RI, VA

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

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

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

Challenge Financial Services, Capital Group
1004 W. Taft Avenue # 100
Orange, CA 92865
714-919-8180 ext. 147
www.cfs-capitalgroup.com
Available States:
AZ, CA, TX, UT

Chase Custom Finance
Multiple Branch Locations
800-223-5050
https://www.chase.com/business-banking/dealer-services

Consumer Portfolio Services – CPS
19500 Jamboree Road
Irvine, CA 92612
800-304-6812
https://www.consumerportfolio.com/Dealers.htm
Servicing: Franchise and Independent Dealerships
Available States:
All 50 states EXCEPT NY, TN

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

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

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

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

Exeter Finance Corp.
P.O. Box 166008
Irving, TX 75016
866-226-2285
https://www.exeterfinance.com/
Available States:
All 50 states

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

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

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

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 76102
888-556-4616
https://dealers.gmfinancial.com/product-offerings/nonprime-auto-loans.aspx

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

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

Mark One Financial LLC
P.O. Box 550870
Jacksonville, FL 32255
877-862-4240
https://www.mark-one.com/
Available States:
FL, GA, IN, NC, OH, PA, SC, TN, VA

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

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

Nicholas Financial
2454 McMullen Booth Road – Bldg C
Clearwater, FL 33759
800-237-2721
https://www.nicholasfinancial.com/dealserv.htm
Servicing: Franchise and Independent Dealerships
Available States:
FL, GA, IN, KY, MD, MI, NC, OH, SC, VA

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

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

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

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

Prestige Financial
1420 South 500 West
Sale Lake City, UT 84115
888-822-7422
https://www.gopfs.com/Webpages/autoDealers.aspx
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

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

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

Santander Consumer USA Inc.
P.O. Box 660633
Dallas, TX 75266-0633
888-222-4227
https://www.santanderconsumerusa.com/

Southern Automotive Finance Co. – SAFCo
800-277-9198
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

Security National Automotive Acceptance Corp. – SNAAC
800-995-0592
https://www.snaac.com/home
Servicing: Franchise and Independent Dealerships
Available States:
AK, AL, AZ, CA, CO, DC, DE, FL, GA, HI, IL, KS, KY, LA, MD, MO, MS, NC, NE, NM, NV, NY, OK, SC, TN, TX, VA, WA
Notes:
Specialize in military and civilian subprime financing programs

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

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

Spartan Financial Partners
961 East Main Street
Spartanburg, SC 29302
855-233-3605
www.spartan-partners.com
Available States:
All 50 states EXCEPT AR, HI, NY
Notes:
Capital Solutions BHPH for American Credit Acceptance

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

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

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

United Quest Financial Inc.
P.O. Box 370814
Miami, FL 33137
855-476-8873
https://www.united-quest.com/
Servicing: Franchise and Independent Dealerships
Available States:
FL, GA, NC, SC, TN, TX, VA

U.S. Auto Credit
8375 Dix Ellis Trail Suite 300
Jacksonville, FL 32256
877-280-9267
https://www.usautocreditcorp.com/dealer-services.aspx
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

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

Wells Fargo Dealer Services
888-937-9997
www.wellsfargodealerservices.com
Services:
Franchise and Independent Dealerships
Available States:
All 50 states EXCEPT AK, AR, LA

Westlake Financial Services
888-893-7937
https://www.westlakefinancial.com/
Services:
Franchise and Independent Dealerships
Available States:
All 50 states