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

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

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

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

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

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

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

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 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

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

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