Consistent Lending Is Our Commitment

Why CarFinance Capital?

CarFinance Capital's credit program starts where most conventional prime banks stop.

"CarFinance Capital has a unique approach: we don’t just fund, we also develop partnerships with dealerships to deliver ‘make-sense’ decisions with a consistency that ensures predictability, approvals that give wide flexibility in structuring transactions, and rapid funding. CarFinance Capital is a dealer’s trusted partner in reaching the large population of non-prime car buyers.”


  • Rapid funding
  • A predictive, common sense credit approach
  • Direct access to our experienced sales team who work directly with you
  • Deal-structuring flexibility to help auto dealers meet the needs of today’s non-prime car buyer.

Learn More

CarFinance Capital FAQ

Today’s Non-Prime Customer

CarFinance Capital helps dealer partners to finance customers in a large segment of the mid-market sub-prime spectrum.

Our finance programs deliver success with customers who:

  • Fall in the FICO range of 525 to 675

Markets We Serve

CFC is authorized to transact business in 44 states and over 3100 franchise dealers.
Let us put you in touch with a local representative.

Our direct lending site,, is our direct lending channel where we’re licensed to work with consumers in 46 states.

  • Customers arrive pre-approved
  • All stips cleared and loan agreements signed
  • No loan fees
  • Backend available
Dealer Contacts

CarFinance Capital enables consistent, predictable credit decisions, fast funding – and significantly more lending options, support and deal-structuring flexibility than is offered by traditional banks.

Give us a Call:

Western Region (888) 696-0799

Central Region (888) 696-8461

Eastern Region (888) 898-2556

Email us:

Fax us: (844) 704-8268

Visit Representative Directory
Company Details

PO BOX 57053
Irvine, CA 92619-7053

Need help?

For Credit:

For Funding:

For Partnership:


For Press and Investor Relations, please contact us at:
phone: (800) 430-9063