Subprime Lender Directory

Find the right special finance lenders to fit your needs from the list below.

BlueSky compiled this subprime lender directory to help you find suitable subprime funding sources for your auto lead programs. We do our best to insure the accuracy of our subprime lender directory below but cannot be responsible that all information is current and up to date. Please confirm any funding related questions with the actual parties listed.

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

AC AUTOPAY
Has the flexibility to price and purchase all accounts in your portfolio, regardless of status. Contact Ken Terkel at (720) 961-4074, email kterkel@acinvest.com or visit www.autopay.com

AFS Acceptance

Visit www.afsacceptance.com for more information, or call 1-877-223-3254

AFS services the following states: Al., Az., Ca., Co., Fl., Ga., Id., Ill., In.,Ky., La., Md., Mi., Mn., Mo., Nj., Nm., Nc., Oh., Ok., Or., Pa., Sc., Tn., Tx., Ut., Va. and Wa

 

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

Arivo
PO BOX 70830
Sandy, UT 84070
844-392-7486
https://arivo.com/dealers/
Servicing: Franchise and Independent Dealerships
Available States:

Arizona, Arkansas, Colorado, Georgia, Idaho, Kansas, Kentucky, Montana, Nevada, New Mexico, North Carolina Ohio, Oregon, South Carolina, Tennessee, Texas, Utah, Virginia, Washington

Automotive Credit Corp.

26261 Evergreen Road; Ste. 300
Southfield MI 48076, (248) 359-2672
www.automotivecredit.com
Main Contact: Michael Opdahl, Chief Operating Officer
MOpdahl@automotivecredit.com

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) 543-8085
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

 

Chase Custom Finance

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

Columbus Finance Inc.
3050 East Main Street, Columbus, OH 43209
(614) 236-854, (614) 236-5590
www.columbusfinance.com

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
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

 

DealerTrack
(888) 853.9402, www.dealertrack.com

 

Diamond Finance Co., Inc.
50 Jericho TPKE, Suite 200
Jericho, NY 11753, (888) 536-6500

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/en-us/dealership-solutions.html

GO Financial
888-463-4626
https://www.gofinancial.com/
Servicing: Franchise and Independent Dealerships
Available States:
All states EXCEPT CT, MA, NH, NY, RI
Notes:
Only wants to deal in subprime

 

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

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


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

Prestige offers a wide variety of financing solutions for individuals and dealers across the nation. For more information on becoming a partner dealership, visit www.GoPFS.com or call 1-800-98-GoPFS.

 

Regional Acceptance Corp.
1424 East Fire Tower Road
Greenville, NC 27858
252-321-7700
https://www.regionalacceptance.com
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

 

RoadLoans.com

Headquartered in Dallas, Texas, RoadLoans.com has helped shoppers of all credit types get instant decisions and pre-approvals for auto loans since 1997.
For more information call (888) 276-7202 or visit www.roadloans.com

 

RouteOne
(866) 933-0663 or www.routeone.com

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

Sensible Auto Finance
Sensible Auto Finance offers instant approvals, fast funding and simple sub-prime lending programs to both independent and franchise dealers nationwide. For more information, visit www.sensibleauto.com or call (833) 686-2886.

Seven Lynx Financing, LLC
Specialized subprime indirect auto lender and licensed to do business in the state of Florida. Offering a wide spectrum of programs for consumers with distressed credit such as; recent repos, foreclosures, low FICO’s and bankruptcies. 888-597-5969 or www.sevenlynxgroup.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

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

U Drive Acceptance Corporation (UDAC)
Visit us at www.udriveac.com
Contact us at 712-258-0269
U Drive Acceptance Corporation | P.O. Box 3107, Sioux City, IA 51102

United Acceptance Inc. – Purchase Bulk BHPH Receivables
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

United Auto Credit
A program for EVERY customer, and a common sense decision on EVERY deal. Nonprime financing since 1996. United Auto Credit – Driven to make a difference. Don’t miss another deal—contact us today!
1071 Camelback, Ste. 100
Newport Beach, CA 92660
888-318-UACC
www.unitedautocredit.net/dealerpartners.aspx or Marketing@unitedautocredit.net

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

Vehicle Acceptance Corporation
Available in the following states:
AL, AR, AZ, CA, CO, FL, GA, HI, IA, IN, MS, NC, NM, NV, OH, OK, PA, TN, TX and VT
www.VACorp.com

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

Wisdom Financial
Wisdom Financial is a subprime sales finance company based in Great Neck, NY. approving customers with previous BKs, auto-chargeoff, prior repossession and foreclosure; self-employed; first-time buyers; zero credit score, and (2) financing current model year and older vehicles up to 12 years old; up to 150,000 miles; rebuilt salvage; lemon law buyback; TMU.
For more information, visit www.wisdomfinancials.com or contact us at (516) 829-7570.

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