Subprime Auto Lenders and Auto Finance Companies List

Below we have listed some of the top auto finance companies in the country that will work with both independent and franchise dealerships.  We will do our best to keep this information current as well as increase the list further to provide dealers with a proper resource. 

Another form of reference in regards to an auto finance company can be found in this PDF which could be found at  Please feel free to contact us in regards to any updated information you may have or any additional subprime auto finance companies that you may recommend.

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Most Searched National Special Finance Lenders & Auto Finance Companies​

Search and filter the table below or feel free to download the national auto finance lenders PDF.
CompanyAddressServicingContact InfoWebsite
Santander Consumer USAPO Box 660633
Dallas, TX 75266
888-540-5626Santander Website
Credit Acceptance Corp. (CAC)25505 W. Twelve Mile Road
Southfield, MI 48034
Franchise & Independent Dealerships800-873-0512Credit Acceptance Website
AmeriCredit801 Cherry Street, Ste. 3500
Fort Worth, TX 76102
888-556-4616AmeriCredit Website
Santander Consumer USAPO Box 961245
Fort Worth, TX 76161-1245
888-222-4227Santander Website
1st Investors Financial Services380 Interstate North Parkway, 3rd Floor
Atlanta, GA 30339
Franchise Dealerships866-889-64951st Investors Website
EZ Dealer Finance31 East Main St., Suite 226
Freehold, NJ 07728
Franchise & Independent Dealers866-343-6714EZ Dealer Website
United Acceptance Inc.2400 Lake Park Drive SE Suite 100
Symryna, GA 30080
Franchise & Independent Dealerships888-951-9512United Acceptance Website
722 Redemption169 Northland Blvd
Cincinatti, OH 45246
Franchise Dealerships888-721-2800722 Redemption Website
Consumer Portfolio Services - CPS19500 Jamboree Road
Irvine, CA 92612
Franchise & Independent Dealers800-304-6812Consumer Portfolio Website
Regional Acceptance1424 East Fire Tower Road
Greenville, NC 27858
Franchise & Independent Dealerships252-321-7700Regional Acceptance Website
AFS Acceptance LLCPO Box 189007
Plantation, FL 33318
Franchise & Independent Dealerships877-223-3254AFS Acceptance Website
Westlake FinancialP.O. Box 76809
Los Angeles, CA 90054-0809
Franchise & Independent Dealerships888-893-7937Westlake Financial Website
American Credit Acceptance961 E. Main St.
Spartanburg, SC 29302
Franchise & Independent Dealerships866-202-6918American Credit Website
Exeter Finance Corp.PO Box 166008
Irving, TX 75016
Franchise Dealerships866-226-2285Exeter Finance Website
Gateway One Lending and FinancePO Box 269133
Sacramento, CA 95826-9133
888-810-8740Gateway One Website
Ace Motor Acceptance Corp.111 Cupped Oak Dr. Suite F, Matthews, NC 28104Franchise & Independent Dealerships704-882-7100Ace Motor Acceptance Website
Ally FinancialPO Box 380906, Bloomington, MN 55438Franchise & Independent Dealerships866-766-4622Ally Financiale Website
Automotive Credit Corp.26261 Evergreen Rd., Suite 300, Southfield, MI 48037Franchise & Independent Dealerships800-810-2202Automotive Credit Website
Auto Use Auto Loan45 Haverhill Street, Andover, MA 01810Franchise & Independent Dealerships800-873-2907Ace Use Auto Loan Website
Tracir Financial ServicesFranchise & Independent Dealerships877-288-3391Tracir Financial Website
Crescent BankPO Box 61813, New Orleans, LA 70161866-208-8288Crescent Bank Website
Challenge Financial Services1004 West Taft Ave., Suite 100, Orange, CA 92865714-541-3400Challenge Financial Website
Chase Dealer ServicesMultiple Locations800-223-5050Chase Dealer Services Website
CU Direct Lending2855 E. Guasti Road, Suite 500, Ontario, CA 91761Franchise & Independent Dealerships877-744-2835CU Direct Website
Equity Auto Finance2700 W. Cypress Creek Road A101, Fort Launderdale, FL 33309Franchise Dealerships800-683-1095Equity Auto Finance Website
Fifth Third BankFranchise & Independent Dealerships866-475-0729Fifth Third Bank Website
Flagship Credit AcceptanceP.O. Box 1419, Chadds Ford, PA 19317Franchise & Independent Dealerships800-327-8543Flagship Credit Website
Friendly Finance Corp.6340 Security Bulevard, Suite 200, Baltimore, MD 21207Franchise & Independent Dealerships800-872-2877Friendly Finance Corp. Website
Global Lending ServicesP.O. Box 935538, Atlanta, GA 31193Franchise Dealerships877-521-9380Global Lending Services Website
GM FinancialGM Financial Website Website
Lobel Financial1150 North Magnolia Avenue, Anaheim, CA 92801Franchise & Independent Dealerships800-871-8051Lobel Financial Website
Mid-Atlantic Finance4592 Ulmerton Road, Suite 200, Clearwater, FL 33762Franchise & Independent Dealerships888-243-8367Mid-Atlantic Finance Website
Nationwide Acceptance Corp.3435 N. Cicero Avenue, Chicago, IL 60641Franchise & Independent Dealerships888-885-6267Nationwide Acceptance Website
Nicholas Financial2454 McMullen Booth Road - Bldg C, Clearwater, FL 33759Franchise & Independent Dealerships800-237-2721Nicholas Financial Website
People's Credit505 West Route 34, Plano, IL 60545Franchise & Independent Dealerships630-552-7974People's Credit Website
Professional Financial Services (PFS)Franchise & Independent Dealerships800-395-8195Professional Financial Services Website
Reliable Auto FinancePO Box 9700, Wyoming, MI 49509Franchise & Independent Dealerships800-373-9933Reliable Auto Finance Website
Southern Automotive Finance Co. - SAFCOFranchise & Independent Dealerships800-277-9198SAFCO Website
Seven Lynx Financing8004 NW 154th St. Unit 136, Miami Lakes, FL 33016Independent Dealerships888-597-5969Seven Lynx Website
Skopos Financial LLCPO Box 143454, Irving, TX 75014Franchise Dealerships214-520-4600Skopos Financial Website
Spartan Financial Partners961 East main Street, Spartanburg, SC 29302855-233-3605Spartan Financial Website
TEBO Financial Services4801 DresslerRoad NW Suite 194, Canton, OH 44718Franchise & Independent Dealerships888-441-4344Ace Motor Acceptance Website
Tidewater Finance Company6520 Indian River Road, Virginia Beach, VA 23464Franchise & Independent Dealerships800-535-4087Tidewater Finance Website
United Quest FinancialPO Box 370814, Miami, FL 33137Franchise & Independent Dealerships855-476-8873United Quest Financial Website
US Auto Credit8375 Dix Ellis Trail Suite 300, Jacksonville, FL 32256Franchise & Independent Dealerships877-280-9267US Auto Credit Website
Veros CreditFranchise & Independent Dealerships888-891-8807Veros Credit Website
Wells Fargo Dealer ServicesFranchise & Independent Dealerships888-937-9997Wells Fargo Dealer Website