Lender Directory Listing

Transcription

1 Lender Directory Listing AC AUTOPAY AC AUTOPAY, a premier BHPH bulk purchase note buyer, offers maximum flexibility to meet your cash needs. We leverage our technology to get you paid quickly without sign up, underwriting, brokerage, or processing fees. Through efficient pricing and seamless due diligence, our comprehensive transition process aims to protect the relationship you have with your customer. We can provide a large capital infusion through the bulk purchase of in-house portfolios. Competitive payout on remaining portfolio balance. No payment seasoning required Specialized portfolio purchasing includes current, slow pay, out for repossession, and bankrupt accounts. Electronic file verification system that speeds up the closing process and eliminates customer and employee confusion. No reserve account requirement-all proceeds are paid at closing. Call or sales@autopay.com or visit us at AFCD Today s car dealers are faced with the ongoing challenge of creating a respectable revenue per car on used inventory purchased either from an auction or dealership or traded in by consumers. Loan origination models along with backend products such as vehicle service contracts can increase the revenue per car if the dealer has access to these types of products. Based in Carmel, Indiana, and a part of KAR Holdings, Inc., AFCD was established to address and meet the needs of automotive dealerships that would like to increase the number of cars sold per month and the revenue per car by having access to a diverse array of proven dealer solutions in select US markets, including a fully integrated dealer management system ( DMS ) powered by NowCom, virtual F & I services, and access to lender financing, vehicle service contracts, GAP coverage, floorplan programs and more. information, call (888) 610-AFCD, or visit Allstate Credit Acceptance 1 SUBPRIME S LENDER DIRECTORY LISTING Last Updated on 9/20/2013

2 We work nationwide with lenders, banks and private capital partners that purchase auto loan pools from auto dealers and finance companies that are looking to sell loan portfolio's in bulk. Our mission is to be able to accommodate the sellers of auto loan pools with the best pricing and terms in the industry as well as aligning them with the buyer that best fits their selling objectives. information please visit or send inquiries to AMAC Ace Motor Acceptance Corporation is a leading source for a Dealer s secondary auto finance. Ace s online system provides deal approvals 24/7. Its online system instantly shows your profit on every vehicle in inventory, making it easy to land your customer on a highly profitable unit. Ace s Underwriters and your Dealer Development Representatives are available to assist you when necessary. Ace purchases contracts on customers with non prime to subprime credit and has no minimum beacon score. Dealers frequently find that doing business with Ace substantially increases their bottom line. Ace Motor Acceptance Corporation does business with franchise and independent dealers in North Carolina, South Carolina, Virginia, Deleware and Maryland. information call Wayne Garland, Director of Business Development, at (704) Check out the company s site, at American Credit Acceptance American Credit Acceptance (ACA) is a deep sub-prime auto finance company providing targeted financing solutions coast-to-coast. We start with a common sense lending approach for our dealer partners and end with an affordable payment program for our customers. We strive to be the leading provider of financing solutions in the deep sub-prime automotive market. ACA offers multiple financial options including point of sale financing and capital solutions. Our lines of credit and bulk purchases are offered through Spartan Financial Partners. information, Contact Our Team Today or visit AmeriCredit 2 SUBPRIME S LENDER DIRECTORY LISTING Last Updated on 9/20/2013

3 AmeriCredit, a leading non-prime auto finance company, focuses on building strong relationships with their auto dealers. AmeriCredit does business with approximately 12,000 franchised dealers and select independent dealers supported by an experienced team of credit and sales professionals. Contact your local AmeriCredit representative to find out more or call " "Our organizational structure allows us to provide extended hours of operation and local buying in major markets, with the support of highly skilled credit and sales teams," states Kyle Birch, executive vice president. "We are committed to providing the best service to help our dealers deliver more cars. AmeriCredit also works with independent auto dealers via AppOne, a national provider of Internet-based risk mitigation and financial technology. We partner with AppOne to generate additional business with independent dealers through the AppOne platform," says Birch. AppOne AppOne, a part of Wolters Kluwer Financial Services, offers Internet-based risk mitigation and financial technology that provides independent auto dealers with tools to automate indirect lending, credit approval and compliance processes. The AppOne platform helps dealers increase sales volume by providing additional lending sources, expediting funding and minimizing documentation errors, all within a single application. As indirect lending standards tighten, it is more important than ever for dealers to secure strong relationships with lenders. Working with AppOne, dealers can show lenders that they have the necessary processes in place to mitigate risk and meet regulatory compliance requirements. This not only helps build lending relationships, but ultimately gives dealers a competitive edge and enables them to provide their clients with the best service possible. information, visit Atlantic Financial Services (of N.C.) Serving northeastern North Carolina and the Hampton Roads area of Virginia for 10 years with consumer loans and sale finance services through local automobile dealerships Branch Locations: 145 Rich Blvd, P O Box 2771 Elizabeth City, NC Phone: (252) S Croatan Hwy, P O Box 2581 Kill Devil Hills, NC Phone: (252) Currituck Commercial Drive, P O Box 58 Moyock, NC Phone: (252) Airline Blvd, P O Box 7037 Portsmouth, VA Phone: (757) Web site: us: customerservice@atlanticfinancialsvc.com Atlantic Financial Services Inc. (Based in Ohio ) 3 SUBPRIME S LENDER DIRECTORY LISTING Last Updated on 9/20/2013

4 Atlantic Financial Services services Ohio and Indiana. Atlantic Financial Services, a privately held corporation, was formed in 1995 for the purpose of acquiring and servicing subprime and non-prime retail installment contracts originated by local car dealerships. The corporation's principals have over 70 years of combined experience in the retail auto sales and finance industries. During the preceding decade, Atlantic Financial experienced phenomenal growth. By investing heavily in both technology and talented people, Atlantic Financial has developed the programs and infrastructure needed to maintain its consistent and controlled growth in an industry where few companies survive. Our knowledge of retail auto sales, and experience on the dealer side of the financing relationship, has allowed us to develop superior solutions and tools that work in the "real world. Atlantic has cultivated successful relationships with dealerships, both franchised and independents, throughout Ohio and Indiana. If you are a dealership who is looking to increase its sales, please contact a representative at Atlantic Financial Services today. Toll Free: (888) , or visit us at AFS Acceptance AFS Acceptance is an established, full-service auto finance company that serves the subprime financing needs of franchise and independent car dealers. We help our Dealer Partners sell more automobiles and improve profits by providing prompt service and flexible lending options. AFS tiered program gives Dealer Partners a complete set of pricing options, from nonprime to deep subprime, with limited, poor or no credit histories. With highly personalized service and underwriting capabilities, AFS provides pricing flexibility for subprime customers. We offer consistent, responsive guidance and support, giving Dealer Partners a dedicated Account Manager backed by a team of professionals to process and fund contracts quickly. information please contact our Dealer Group Line at (877) AFS currently services the following states: AL, AZ, CA, CO, FL, GA, ID, IL, IN, LA, MD, MI, MN, MO, NC, NJ, NM, OH, OK, PA, SC, TN, TX, UT, VA, WA, with plans for further expansion in to other states by year end. Auto Credit of Nashville Auto Credit of Nashville 162 Cude Lane Madison, TN (615) Auto Trakk LLC 4 SUBPRIME S LENDER DIRECTORY LISTING Last Updated on 9/20/2013

5 AutoTrakk specializes in lease financing on late model dependable cars for your customers with poor to very poor credit. Auto Trakk combines an easy to manage weekly lease payment with a payment protection device that encourages customers to make their payment on time. Community based financing. Auto Trakk is responsible for all collection problems and repossessions. Warranty and GAP protection on every deal. Online application system and approvals Sycamore Rd. Suite 200 Montoursville, PA (888) information, visit Automotive Credit Corporation Automotive Credit Corp., headquartered in Southfield, Mich., is a regional automobile finance company focused on the subprime market. Automotive Credit Corp. purchases installment contracts from both independent and franchised automobile dealers for consumers with limited or challenged credit histories who are unable to obtain financing from traditional sources. Founded in Michigan in 1992, ACC has partnerships with hundreds of dealers throughout the Midwest, East and Southeastern United States, including Michigan, Ohio, Illinois, Indiana, Tennessee, Kentucky, Missouri, Georgia, Maryland, Florida, Virginia, Kansas, Arkansas and Alabama information, contact: Dan Boes, Vice President of Sales and Marketing dboes@automotivecredit.com Automotive Credit Corporation Evergreen Road; Ste. 300 Southfield MI AutoUse Auto Use is an independent finance company with over 40 years experience in the Auto Finance Industry. We offer Floorplan and Sub Prime Retail financing to franchise and independent auto dealers throughout the country. Auto Use is dedicated to providing superior customer service and believes in establishing long term relationships with our business partners. Floorplan Financing is offered nationally and features our Checkbook Program that allows the freedom to purchase inventory from multiple non-auction and auction sources. Auto Use is affiliated with over 700 auctions nationwide. Our Sub Prime Retail product is offered in selected states. No minimum credit score and our self-approval program are just a few of the innovative ways that makes our retail product easy for you to write more business. All retail advances are non-recourse and there are no dealer sign up fees. Utilizing both floorplan and retail programs allows for product synergies, which includes but is not limited to Free Floorplan Interest and higher Retail Advances. We invite you to call our Dealer Development (800) to get further details on both products or visit our Web site Bank of Stockton 5 SUBPRIME S LENDER DIRECTORY LISTING Last Updated on 9/20/2013

6 Bank of Stockton is a prime lender serving the state of California information, contact Finance Express at (800) Barnett Finance Co. BARNETT Finance is the Southeast's leading subprime lender servicing both new- and used-car dealers. We originate, purchase and service retail automotive installment contracts. We guarantee increased profits to your dealership's bottom line with simple and effective tiered finance options covering the entire spectrum of credit challenged customers. Barnett is owned, managed and operated by seasoned automotive professionals. We understand what it takes to conduct business in today's environment. Whether your customer is in bankruptcy or has experienced a recent repossession, we have originators and reps standing by all hours of the day to provide that all important call back while the customer is in your dealership waiting. No automated turn downs. With Barnett, we find out what it takes to put the deal together right now and make it happen. (912) Capital One Auto Finance Capital one Auto Finance is a national non-prime auto lender in the following states: AL, AR, AZ, CA, CO, CT, DE, FL, GA, 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 and WY. information, contact Finance Express at (800) CAR Financial Services CAR Financial Services, Inc. ( CAR ) services both independent automotive dealers and automotive subprime financial organizations. We are dedicated to providing a stable funding source for the long term and offer a variety of financial programs designed to improve cash flow and accommodate individual needs. CAR operates in 45 States and is continually evolving its programs to meet the ever changing needs of those we serve. Our strengths lie with our experienced and professional employees, our dedication to technology and a tradition of over 25 years of quality service. We offer: Payment interval purchasing Subprime financing Buy-Here, Pay-Here bulk purchasing Account billing and collection service Let us show you how much cash you can generate from your accounts today by calling , or going to CARFINCO 6 SUBPRIME S LENDER DIRECTORY LISTING Last Updated on 9/20/2013

7 Carfinco is Canada s leading specialty finance income Fund. We provide vehicle financing to consumers who are not able to obtain it from more traditional lending sources. Carfinco purchases loans made by select independent and franchised vehicle dealers in most provinces of Canada Street, #300 Edmonton, AB T6E 5Y7 (888) C&F Finance C&F Finance Co. is a leading regional finance company focused on providing auto loans in Virginia, Maryland, Tennessee, North Carolina, Ohio, Indiana, Kentucky and West Virginia. C&F Finance is a wholly owned subsidiary of C&F Bank which was established in 1927 and is publicly traded on the NASDAQ under the symbol CFFI. C&F Bank acquired C&F Finance, formerly Moore Loans, in September of Moore Loans had been in business since C&F Finance Company's headquarters are in Richmond, VA. C&F Finance Co S. Laburnum Avenue Richmond, VA (804) information, visit Chase Auto Finance Chase Auto Finance serves more than 15,000 auto dealers across the country and specializes in subprime financing for franchise and independent dealers through 41 Custom Finance division business centers. Chase provides a full range of credit and financial services to dealerships, as well as floor plan and commercial loans, treasury management services, real estate financing and other banking services. Chase Auto Finance, together with its affiliates, is the largest bank provider of auto financing in the country. Since 2001, Chase also has partnered with Subaru, creating the Subaru Motors Finance private-label brand and making Chase the only bank that serves as a captive lender for the auto industry. Chase Auto Finance s Dealer Commercial Services division is the largest non-captive floorplan and commercial loan provider for auto dealerships nationally. Chase Auto Finance purchases retail installment contracts and originates loans across the continental United States as well as in Alaska and Hawaii. information, visit or call (800) CitiFinancial Auto CitiFinancial Auto is a leading, national subprime auto lender focusing on dealer relationships to help them sell more cars with fast decisions and customized solutions. information, call (866) This lender is also available via Finance Express. Coastal Credit 7 SUBPRIME S LENDER DIRECTORY LISTING Last Updated on 9/20/2013

8 Coastal Credit is available in CA, DE, FL, GA, LA, MS, NV, OH, OK, PA, TX and VA. Coastal Credit, L.L.C. specializes in purchasing contracts from new and used automobile dealerships. We have been serving the automobile industry continuously since Our primary customer base is in the secondary used-car market, and we purchase loans made to military and civilian consumers. Coastal Credit continues to expand its relationships with dealerships nationwide. We purchase contracts on a point of sale basis and acquire buy-here, pay-here loans through portfolio acquisitions. information, visit Virginia Beach Blvd. Virginia Beach, VA (800) Columbus Finance Inc. Since 1960, Columbus Finance has specialized in providing vehicle finance products to central Ohio auto dealers. CFI offers both direct and indirect loan programs to accommodate any size dealer allowing for a wide range of dealer structures. Our professional staff members are experienced in subprime lending and will help dealers increase sales and profits while earning long-term customers for us both. Central Ohio auto dealers can learn more at or call (614) to speak to a representative. Columbus Finance Inc East Main Street Columbus, Ohio Community Choice Financial Community Choice Financial is available in Tennessee Maryland Way, Suite 310 Brentwood, TN (615) information, visit Consumer Portfolio Services 8 SUBPRIME S LENDER DIRECTORY LISTING Last Updated on 9/20/2013

9 Consumer Portfolio Services Inc. ("CPS") is a specialty finance company that provides indirect automobile financing to individual borrowers with past credit problems, low incomes or limited credit histories. The company purchases retail installment sales contracts primarily from factory franchised automobile dealers. The contracts are secured by late-model used cars and to a lesser extent, new cars. The company accumulates the contracts into pools, and finances the pooled contracts through the issuance of "AAA" rated asset-backed securities. CPS was founded in 1991 and currently purchases contracts in 47 states from approximately 7,000 dealers. The company s common stock is traded on the NASDAQ National Market System under the symbol "CPSS". Available in the following states: AL, AR A, CA, CO, FL, GA, HI, IA, ID, IL, IN KS, KY LA, MA, MD, MI, MO, MS, NC, NE, NH, NJ, NM, NV, NY, OH, OR, PA, RI, SC, SD, TN, TX, VA, WA, WI, WV and WY Since 1991 CPS has been providing franchise and independent dealers with consistent and profitable subprime solutions. Our 7 proven programs offer generous advances and cover a wide spectrum of credit incl Visit our website at or call to see how at CPS, We approve more people so you can sell more cars! information, call (800) Founded in 1972 by Don Foss, the world's largest independent used-car dealer in the 1970s and 1980s, Credit Acceptance provides vehicle loans to consumers regardless of their credit history. Without our product, consumers may be unable to purchase a vehicle, may purchase an unreliable one, or may not have the opportunity to improve their credit score. Offered through a nationwide network of automotive dealer-partners, our Guaranteed Credit Approval Program provides dealer-partners with the opportunity to deliver a written credit approval to every consumer, on every vehicle in their inventory, within 30 seconds using our patented Credit Approval Processing System (CAPS). Using the CAPS Profit Calculator, dealer-partners can work a deal in just seconds and maximize the profit they receive by adjusting the term, interest rate, and selling price of a vehicle. Whether you re a dealer that wants the benefits of Buy-Here, Pay-Here without the hassles of collections and cash flow concerns, or simply want a finance company that lives up to its commitments and funds deals quickly, our Guaranteed Credit Approval Program is the key to more customers and more profits. information about how Credit Acceptance can help you open the door to more customers and profits, call (800) , or visit Credit Union Direct Lending 9 SUBPRIME S LENDER DIRECTORY LISTING Last Updated on 9/20/2013

10 Created in 1994 by the California Credit Union League and The Golden 1 Credit Union, CUDL was established with the vision of providing point-of-purchase lending to the credit union community, and has grown to become the nation s largest point-of-sale and indirect lending network for credit unions. Today, the CUDL Network of credit unions and dealers serves nearly 18 million credit union members nationwide. CUDL is administered by CU Direct Corporation, a Credit-Union-Owned Service Organization (CUSO), which serves the credit union industry through aggregation, leveraging the power of numbers to create a stronger presence in the marketplace and at dealerships, which ultimately help credit unions fulfill their indirect lending goals by selling more auto loans. information, visit CUdirect Connect CUdirect Connect is available in Colorado S. Revere Pkwy. #200, Suite 200 Centennial, CO (720) CPS Since 1991 CPS has been providing franchise and independent dealers with consistent and profitable subprime solutions. Our 7 proven programs offer generous advances and cover a wide spectrum of credit including thin files, low FICO's, open CH 7's,recent repos, and delinquent mortgages. Visit our website at or call to see how at CPS, We approve more people so you can sell more cars! CreditWest Corp. CreditWest Corp. purchases C & D quality subprime auto paper in California, Nevada and Colorado. Our Web site for dealers is information, contact president and chief executive officer Larry Kelley at lkelley@creditwest.net. CreditWest is also available via the Finance Express platform. Crescent Bank and Trust Crescent Bank and Trust provides our dealers with a consistent, no extra cost financing alternative for the subprime customer. Subprime auto financing is our specialty. Established in 1991, Crescent Bank and Trust has focused primarily on subprime lending. We started in New Orleans, La., with one location and have grown through the years to over 35 locations in 19 states. We build strong relations with thousands of dealerships through our local presence. We provide dealers with an opportunity to do business with a strong reputable company that has one of the most stable financial reports in the industry. information, contact Jeff Owens, National Account Manager, (866) , or jowens@cbtno.com. Dealers Financial Service /MILES Program 10 SUBPRIME S LENDER DIRECTORY LISTING Last Updated on 9/20/2013

11 Are you looking for a way to finance your non-prime active duty military customers? Then look no further! Dealers Financial Services LLC is a leader in providing solutions for automotive loans to the active duty military community through our Military Installment Loan and Educational Services (MILES) program. The MILES Program is a non-credit score, criteria based loan program. We offer loan approvals in 30 minutes or less and are integrated with both RouteOne and DealerTrack. If you would like to increase your military business and join our over 500 MILES Certified Dealerships then contact us toll free at (866) , or visit our Web site at DealerTrack DealerTrack is transforming every aspect of dealership management by providing solutions that help dealerships realize higher profits, enhance compliance and improve customer satisfaction. Headquartered in Lake Success, N.Y., its family of companies enables DealerTrack to provide a broad range of industry-leading solutions. Founded in 2001, DealerTrack revolutionized auto financing by giving lenders an online portal for credit applications. Today, DealerTrack provides solutions to optimize the performance of every department in a dealership. Because DealerTrack recognizes that each dealership has a unique and dynamic set of needs, the company provides a flexible platform of solutions. Dealers can choose from a complete dealership management solution that delivers high value for lower cost than competing products, as well as individual solutions that can be easily integrated in an open environment. DealerTrack gives each dealership the power to select the specific tools it needs to reduce costs, increase profits and find sustainable success. DealerTrack supplies online solutions to 90 percent of all franchised dealerships in America, more than any other provider. The company s platform connects over 22,000 automotive dealerships, plus 3,000 recreational vehicle, marine and motorcycle dealerships with more than 700 financing sources and a broad range of service and information providers. To learn how DealerTrack solutions can help grow your profits, or to determine which subprime financing sources do business in your area, visit or call (888) Dependable Credit Corp. Dependable Credit Corp., is a sales finance company, licensed in the states of New York, New Jersey and Connecticut, providing used car loans to individuals with varying credit profiles at competitive interest rates. Our credit guidelines are more flexible than most major financial institutions. Each application submitted to our office is reviewed based on its own merits considering several factors which dictate customer's ability to repay the loan. Unlike major financial institutions who only consider FICO scores, Dependable Credit Corp., considers stability of residence, stability of employment, amount of down payment in relation to the price of the vehicle (high equity), as well as paid (slow) auto loans, past and/or present delinquent accounts in your credit profile, etc. 11 SUBPRIME S LENDER DIRECTORY LISTING Last Updated on 9/20/2013

12 Dependable Credit Corp., has been in business since 1992, providing flexible financing programs to over 250 used car dealerships in New York and New Jersey and now in Connecticut for over $80 million in amount financed. Our continued growth has surpassed our yearly estimates, which allows us to offer various programs to our dealers and better customer service to our account-holders. 285 Saw Mill River Road Yonkers, N.Y Saw Mill River Road Yonkers, New York SUB-Prime Loan Specialist for over 20 Years Licensed in NY, NJ & CT (Rates as low as 7.9%) Contact: Carmine Manager; Direct Financing Toll ext 542 carmine@dependablecredit.com Exeter Finance Corp. Exeter Finance Corp. is an auto finance company specializing in purchasing and servicing subprime auto finance contracts from select franchised auto dealers throughout the United States. The company s underwriting and verification teams work in local branches rather than a centralized facility. As a result, dealers enjoy personalized service from people they already know and trust. Founded in 2006, Exeter Finance is headquartered in Irving, Texas. For More Information: Visit and click the Auto Dealers button. EZ Dealer Finance EZ Dealer Finance is your lending network which offers multiple lending solutions for Franchise and Independent Car Dealers. We offer Prime to Subprime, New and Used Car Leasing. We offer solutions in every state except for Alaska and Hawaii. For further information on how your dealership can start on The EZ Way to Profits Visit us at Or call option RT.18 N. Suite 210 Old Bridge, NJ Fifth Third Alternative Finance 925 Freeman Avenue, MLD Cincinnati, OH (877) information visit Site/CommercialArea/Industry+Specializations/Dealer+Financing/. Finance Express 12 SUBPRIME S LENDER DIRECTORY LISTING Last Updated on 9/20/2013

13 The Finance Express platform brings quality lenders to independent dealers. In addition to its DMS capabilities, Finance Express was specifically designed to bring competitive lenders to the independent dealer. This is accomplished through dealer due diligence and risk mitigation processes provided to the lenders. As a result, the Finance Express platform will serve to help maintain a strong relationship between lender and dealer during these difficult market conditions. information, call (800) Financial Institution Lending Option FILO is a near-prime to prime lender serving Wisconsin. information, contact Finance Express at (800) FinCo Management FinCo Management serves the deep subprime needs of dealers in today's complex market. We provide an alternative to discount lenders or the investment required to operate a BHPH operation. FinCo offers loans and leases with up to 70% advanced at time of sale with the remainder paid to dealers as payments are received. Dealers enjoy superior profit and cash flow with FinCo. FinCo gives dealers a turnkey system to finance vehicles for buyers with no credit, bad credit, cash incomes and no SSN's. Our system enables dealers to mitigate risk and stay compliant with the complicated and always changing consumer finance regulations. Current states of operation are AK, AL, CA, CO, FL, GA, IA, ID, IL, IN, KS, KY, MA, ME, MN, MS, NC, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, & WV. information call (781) or visit 1st Investors Financial Services Group First Investors Financial Services Group (First Investors) was founded in 1988 by its current chairman and president, Tommy A. Moore. The original vision was to serve customers in the subprime spectrum that had life events that created credit problems and were looking for an alternative finance source. It is still that vision today. First Investors currently services in excess of a $600-million portfolio from its Atlanta, Ga.-loan servicing operation. Additionally, the company has both direct and indirect distribution channels where loans are originated from its Houston loan origination and funding operation. Combined originations are approximately $200 million annually. Indirect loan originations are created through franchise automotive retailers in metro locations in Texas, Georgia, Ohio, Tennessee, Alabama, Virginia, Maryland, North Carolina and Illinois. In all, First Investors is licensed in 28 states and actively originates loans from 17 states in the Central, Southeast and Eastern seaboard markets. Direct lending activities, which are also handled from the Houston office, are conducted in 14 states through a separate subsidiary of First Investors. First Investors Programs are designed for customers in the subprime market with Beacon Scores in the 530 to 620 range. In particular, First Investors has a core competency in lending to customers who have experienced a previous bankruptcy, particularly those customers who have just emerged from bankruptcy. We feel we offer some of the most attractive terms for the customers, and the most profitable terms for the dealers that pursue that customer in earnest. 13 SUBPRIME S LENDER DIRECTORY LISTING Last Updated on 9/20/2013

14 Additionally, First Investors Programs accommodate the non-bankruptcy customer that has a substantial history with credit, whether good or bad. We feel there are terms and pricing that allows most customers to finance a vehicle at terms acceptable to all involved. If you would like to learn more about First Investors, our programs, pricing guidelines and credit guidelines, please visit our Web site, If you would like to talk about becoming a dealer partner, please contact our Director of Sales & Marketing Collin E. Williams. collin.williams@fifsg.com, office: (866) Flagship Credit Corp. Flagship Credit Corp. is a regional indirect finance company which purchases retail installment contracts from automobile dealers. Flagship provides financing to non-prime consumers for new- and late-model used vehicles. It is available in the following states through the Finance Express System: FL, GA, IL, IN, MD, NC, NJ, OH, PA and WV. information, contact Finance Express at (800) Freedom Financial Group Inc. Freedom Financial Group is a regional automotive finance company that specializes in working with customers who have less than perfect credit. We have an extensive point-of-sale network that consists of independent dealers. Dealers in the Freedom Financial Group network find the financial resources they need to do business with subprime customers. We are currently doing new business in Illinois, Indiana, Kansas, Missouri, Oklahoma and Tennessee information, contact: Julie Mclean (800) , Oklahoma & Western Kansas; Lisa Bearden (615) , Tennessee; Bruce Norton (219) , Indiana & Illinois; Ross Terando (314) , Eastern Missouri; Steve Cox (913) , Western Missouri & Eastern Kansas. Or visit, Friendly Finance Corp. Available in DE, IL, IN, KY, MD, MI, OH and VA. information, visit Security Blvd., Suite 200 Baltimore, MD (800) FSB Financial 110 West Randol Mill Road, Suite 100 Arlington, TX (888) Gateway One Lending & Finance 14 SUBPRIME S LENDER DIRECTORY LISTING Last Updated on 9/20/2013

15 Currently licensed and operating in California, Nevada, Utah, Oregon, Washington, Florida, Georgia, North Carolina, South Carolina, Tennessee, Maryland, Virginia, Alabama, Colorado, Ohio, Indiana and soon opening in Texas and Arizona. We are continuing to add additional states and expect our footprint to include the majority of the continental United States by year-end. Global Lending Services Global Lending Services LLC provides franchised and independent dealers and their customers the highest level of service and value. GLS leverages established national distribution channels and its deep understanding of consumers' and dealers' needs to deliver clear financing solutions quickly and efficiently. GLS takes an approach to subprime lending that serves the unique needs of customers who have experienced difficult times while respecting dealerships' need for lending process that enhances their ability to operate profitably. Operating throughout the United States. Lou Loquasto - Chief Marketing Officer louloquasto@glsllc.com Globe Acceptance Globe Acceptance is a special finance lender the states of IA, KS, MN, NE, OK and Eastern IL (Peoria, Quad Cities, Rockford). We are a second chance and credit starters for high school graduates. Globe Acceptance, Inc PO Box West Des Moines, IA globeaccepts@qwest.net Honor Finance Honor Finance is a subprime lending organization which purchases contracts from approved dealers for loans up to $8,000. Honor Finance also provides loan servicing for dealers who hold their own paper. Honor Finance purchases loans from dealers in Illinois and Nevada, exclusively. Honor Finance Illinois 1563 Sherman Avenue Evanston, IL (847) Contact: Bill Caan, Marty Collins Honor Finance Nevada 8290 W. Sahara, Suite #150 Las Vegas, NV (888) Contact: Steve Webster information, visit 15 SUBPRIME S LENDER DIRECTORY LISTING Last Updated on 9/20/2013

16 Inofin Available in CT, FL, GA, MA, ME, NH, SC and TN. If you are interested in becoming an Inofin Dealer Member we strongly encourage you to take our online tour and discover how and why we are revolutionizing the sub prime auto loan industry, what you receive as an Inofin Dealer Member and the ability to join us online. 55 Accord Park Drive Rockland, MA 2370 (877) Visit Inspire Auto Finance Inspire Auto Finance spent 18 months developing a custom technology solution and reworking the subprime lending model to deliver the highest standard for decisioning, customer care and profitability, automation and performance to automotive dealers nationwide. It just recently went live. Inspire Auto Finace has partnered with DealerTrack, Contract Management Solutions, CenterOne Financial Services and Black Book to deliver a superior service and world-class financing solutions to dealer partners and consumers. It is the only nationwide subprime lender set to redefine the auto finance industry. Headquartered in Dallas, the company brings more than 100 years of auto finance experience and deep relationships with dealer partners nationwide to deliver the industry s most advanced subprime lending solutions. information on Inspire Auto Finance, please visit Kaptor Financial Kaptor Financial, a boutique merchant bank that has provided financing solutions to small business since 1989 and AJM Leasing, a subprime automotive finance company that has operated successfully in southern Ontario since Lawrence Avenue East, PO Box Don Mills, ON M3C 3S7 (866) information, visit Leaders Financial Co. We are a subprime lender forging strong and lasting relationships with independent and franchise dealers throughout N.J. and N.Y. Customer education and service are the lynch pins for our success. The company was started in 2006 but the executives of the company have over 100 years of experience in the industry. For further information call Doug Cussen at (732) x302 or dcussen@leadersfc.com. Liberal Finance Service 16 SUBPRIME S LENDER DIRECTORY LISTING Last Updated on 9/20/2013

17 Liberal buys contracts from dealers in N.J. that are financing buyers that live in that state. Contracts must be under $10,000. Liberal is also available via the Finance Express platform. information, contact Gus Terry 1160 Parsippany Blvd. P.O. Box 6 Parsippany, NJ (973) Lobel Financial Available in the following states: AZ, CA, CO, NM, NV, TX, UT, and WA. Lobel Financial is a motor vehicle sales finance company specializing in non-prime automobile loans. The company purchases retail installment sales contracts from franchised and independent dealers, who have non-prime consumers purchasing pre-owned automobiles. Lobel Financial has a well established market presence serving the automotive finance industry for more than 25 years. The company's state-of-the-art technology provides superior dealer and customer service. This has allowed the company to be a low cost source of financing for the dealers they have funded. Lobel Financial is based in Anaheim, California, where the company services its automobile loan portfolio at its headquarters using automated servicing and collection systems. information, visit or call (714) MAFS Manheim Financial Services (MAFS) headquartered in Atlanta, Ga., is a division of Manheim, the world s leading provider of vehicle remarketing services. MAFS serves thousands of franchised and independent car dealers in the United States and Canada with short and long term floor planning and a variety of financing and insurance programs. Dealers can turn to MAFS to finance rental cars, recreational vehicles, motorcycles, heavy duty trucks, as well as for receivables funding and retail financing. They also can obtain full insurance coverage to protect their businesses. Manheim provides 88 locations across the U.S. and Canada, each of which includes a MAFS office and service oriented staff to service our customer s floor plan needs. In addition, MAFS is also available in more than 125 independent non-manheim auctions, Enterprise Rent-A-Car, Thrifty Car Sales and OPENLANE. Together with the new Manheim Service Centers, MAFS is available at more than 200 locations with more to come in the future. Offerings include: 90-Day/GOLD card inventory financing 45 Special 45 day inventory financing Rental inventory financing Receivables funding MAFS Advantage RV/Motorcycle inventory financing Big truck inventory financing Insurance information, visit 17 SUBPRIME S LENDER DIRECTORY LISTING Last Updated on 9/20/2013

18 MarkOne Financial MarkOne Financial is a specialty finance company that purchases auto loans from both franchise and independent dealerships and delivers quality service to our retail customers. We are relationship driven with our auto dealerships by providing competitive loan programs and exercising consistency in our buying decisions and flexibility in meeting the dealer s needs when warranted. The Company currently purchases consumer auto loans from dealerships in Florida, Georgia, South Carolina, North Carolina, Virginia, Tennessee, Ohio, Indiana, Pennsylvania, Maryland and Delaware. The headquarters for MarkOne Financial is Jacksonville, Florida. information call 855-MarkOne or visit us online at Marlton Auto Credit Marlton Auto Credit Corp. specializes in the acquisition and servicing of subprime automobile auto receivables purchased from our dealer network in New Jersey, Maryland, Pennsylvania, Delaware. information call Mid-Atlantic Finance Founded in 1989, Mid-Atlantic Finance (MAF) has spent the last 19 years becoming the premier non-prime auto finance source in the automotive industry. With originations exceeding $1 billion and a current portfolio in excess of one hundred million dollars, MAF has the experience and funding capacity to satisfy all non-prime lending needs. There are 175 team members between our headquarters in Clearwater, FL, and a servicing center in Houston to provide unparalleled service. Mid-Atlantic not only has the financial power but the after the sale support necessary to efficiently handle both large and small transactions Lightwave Drive, Suite 201 Clearwater, FL (800) information, visit Mint Leasing Established in 1999, The Mint Leasing brings a new approach to the lending industry. We review every deal individually and do not rely on beacon score to decision deals. We use a common-sense approach to provide the best possible approvals and the fewest turndowns in the industry. The result is our unprecedented 95% approval rate. In addition, our dealers are rewarded with outstanding service from our entire staff of dedicated professionals. Our dealers appreciate our can-do attitude and the ability to approve deals with or without a dealer agreement. Our customers appreciate our flexible leasing terms that do not restrict them to mileage limits and allow them to trade vehicles when their needs change. Our customers are happy with the vehicles that meet their needs and our dealers are happy with the repeat business our leases allow them to generate. Our flexibility also allows for multiple autos, no DTI/PTI limits and no vehicle mileage restrictions. This is something that is simply not offered by any other lender. 18 SUBPRIME S LENDER DIRECTORY LISTING Last Updated on 9/20/2013

19 Dealers also appreciate our operating hours which make us accessible when we are needed the most. Our underwriting and funding departments are available from 8:30 am to 5:30 pm Monday thru Friday and 10 am to 2 pm on Saturday. We are also fully-functioning on most holidays. We maintain a callback time of less than two hours and purchase contracts quickly with our in-house funding department. Every dealer is looking for a lender that is able to help them deliver more units with more gross profit. With our No-fee and discount free program, quick callbacks and personalized service, we look forward to being your lender of choice to keep you "soaring above the competition." Our Mission Statement Our mission is to provide our dealers the ability to offer the most flexible financing and an opportunity for customers to customize their financing through a closed-end motor vehicle lease. We will do this in a professional and ethical manner that provides a win-win-win solution for all parties. We deal with franchised dealers in Texas, Oklahoma, Arkansas, Mississippi, Tennessee, Alabama, Georgia and Florida. We expect to expand into other states by the end of Our guidelines are available on our website:: or you can call National Auto Lenders National Auto Lenders is one of the leading independent non-prime auto finance companies servicing Florida. Based in Florida, NAL is dedicated to servicing their family of dealers by offering a variety of programs catering to their financing needs, including the purchasing of buy here/ pay here portfolios. Some of our program highlights include: Providing Call Backs Within an Hour Fast Funding Offering GAP Coverage to the Client Offering LSI Coverage to the Dealer No Application or Administrative Fees Excellent Customer Service Practices information please contact us via phone, , or visit our web site: Tel: Sales@NALenders.com Web site: Nationwide Acceptance Serving dealers for over 50 years, Nationwide Acceptance is one of the largest independently-owned finance companies in the nation. Specializing in the underwriting and purchase of non-prime and subprime automobile installment sales finance contracts, Nationwide serves franchised and independent dealers in the following 20 states: AZ, CA, GA, ID, IL, IN, LA, MI, MS, NE, NV, NM, OH, OR, TN, SD, UT, WA, WV, WI. View our programs and sign-up packages at or call Bonnie Herden at (800) Ex Nationwide is also available via Finance Express. New City Funding Corp. 19 SUBPRIME S LENDER DIRECTORY LISTING Last Updated on 9/20/2013

20 P.O. BOX 121 STONY PT., NY (845) FAX (845) We are an indirect lender that works with independent used-car dealers throughout New York. Nicholas Financial Nicholas Financial Inc. is staffed with a team of experienced professionals committed to serving the needs of franchised and independent automobile dealers. Nicholas allows the dealer to increase sales and maximize profits through financing programs tailored to both the customer and the dealer. Please call our corporate headquarters at (800) to learn more about current dealer programs in Florida, Georgia Indiana, Kentucky, Maryland, Michigan, North Carolina, Ohio, South Carolina & Virginia. Visit for more information. NK Financing Corp. NK Financing is an auto finance company operates in the automobile finance business in California. We specializes in purchasing retail automobile installment sales contracts originated by franchised and independent dealers in connection with the sale of used and new automobiles. Our funding for auto lending activities is obtained primarily through our own funds. Our loan servicing activities consist of collecting and processing customer payments; responding to customer inquiries; initiating contact with customers who are delinquent in payment of an installment; maintaining the security interest in the financed vehicle; monitoring physical damage insurance coverage of the financed vehicle; and arranging for the repossession of financed vehicles, liquidation of collateral, and pursuit of deficiencies. The company services its loan portfolio at Beverly Hills Office using MegaTERM loan servicing and collection program. We provide indirect financing to the customers of dealers with limited credit histories, and low incomes or past credit Problems. Without our product, consumers may be unable to purchase a vehicle or they may purchase an unreliable one, or they may not have the opportunity to improve their credit standing. As we report to the national credit reporting agency, a significant number of our customers improve their lives by improving their credit score and move on to more traditional sources of financing. The company uses a combination of a CreditSmart, Dealer Track and dealer relationship managers to market its indirect financing programs to selected dealers. The company was founded in 2004 and is based in Beverly Hills, Calif. information, visit PAC 20 SUBPRIME S LENDER DIRECTORY LISTING Last Updated on 9/20/2013