Lender Directory

Sub Prime Lender Directory

Find the right lender to fit your needs from the list below. We do our best to insure the accuracy of our posted information, but cannot be responsible that all information is current and up to date. Please confirm this information with the actual lenders listed.

**You can find an additional Lender Directory to supplement this list from Subprime Auto Finance News through their site www.autoremarketing.com/subprime

1st Investors Financial Services
380 Interstate North Parkway, 3rd floor
Atlanta, GA 30339
866-889-6495
http://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
http://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
http://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
http://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
http://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
http://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
http://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
http://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
http://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
http://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
http://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

GM Financial / AmeriCredit Financial
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
http://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
http://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
http://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
http://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
http://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
http://www.peoplescredit.com/
Servicing: Franchise and Independent Dealerships
Available States:
AZ, CA, GA, ID, MS, NC, NV, OR, PA, SC, TN, WA

Prestige Financial
1420 South 500 West
Sale Lake City, UT 84115
888-822-7422
http://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
http://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
http://www.sevenlynxgroup.com
Servicing: Independent Dealerships
Available States: FL

Skopos Financial, LLC
P.O. Box 143454
Irving, TX 75014
214-520-4600
http://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
http://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
http://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
http://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
http://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
http://www.westlakefinancial.com/
Services:
Franchise and Independent Dealerships
Available States:
All 50 states

blueSky Marketing provides auto dealerships an award-winning suite of customer acquisition and sales conversion products that produce incremental vehicle sales and higher gross profits without significant change to dealers existing infrastructure.
Phone: 1-800-BLUESKY
Fax: 866-211-7666
5000 Executive Parkway
San Ramon, CA 94583