United Auto Credit is a California based non-prime automotive lender serving dealers and their customers across the United States since 1996.

Who Are We?

Created with the car buying public in mind, United Auto Credit has become a leader in the automotive finance industry. When other’s say “no”, United Auto Credit says “yes” because we believe everyone deserves the chance at vehicle ownership – regardless of their credit history.

Combining cutting edge technology, hard work and old-fashioned common sense, United Auto Credit has developed programs – from First Time Buyers to our Bankruptcy program – that enable us to approve customers across the credit spectrum. In short, what we call our Common Sense program serves as the foundation of our corporate vision today and into the future.

— Provide Excellent service to Dealers and Customers through common sense lending.

Our Mission

Providing the best opportunities for our dealers and customers to achieve financial success through our hard work, innovation, and great service.

Our Vision

At United Auto Credit, we strive to be the company of choice for our employees, customers, and dealers through our drive to make a difference.

Core Values

We take responsibility for our actions and results and leave no room for blame.

We say what we mean and do what we say, even when no one is looking.

We consistently provide the best results, service, and collaboration to create the best experience.

Service Excellence
We give our best, provide world class service, and strive to achieve excellence each day.

We are committed to our well-being by celebrating our success and each other every day.


Driven to make a difference is not just a tagline or catchphrase, it’s our everyday mantra.

We believe in making a difference at work and outside of work, with our dealers and with each other. Most of all we believe in making a difference within our company and our community.

UACCares was created because at United Auto Credit®, we believe it’s important to give back. UACCares brings our team closer together with one goal in mind, giving back to the community. UACCares encourages team members and their families to volunteer and make a difference with various charitable causes. It’s an honor for us to be able to support the communities where we live and work to become even stronger and unified – One Team One Vision.

We are United Auto Credit®, we are UACCares and we are driven to make a difference.


Executives & Officers

Tom Shortt joined Vroom in January 2022 and serves as Vroom and UACC’s Chief Executive Officer and as a member of our board of directors.

Prior to joining Vroom Tom has led transformations across public and private equity companies across a wide variety of industry sectors.

He is a graduate of Harvard Business School’s Advanced Management Program and holds a bachelor’s degree in Accounting from the University of Akron.

Jon Sandison is UACC’s Chief Financial Officer after joining Vroom in October 2022.

Prior to joining Vroom, Jon held leadership positions with broad responsibility across banking and financial functions at Stoneridge, Yazaki, and JPMorgan Chase. 

Jon holds a BBA in Business Administration from Wayne State University.

Amy Castell serves as our General Counsel and Chief Compliance Officer and has been with United Auto Credit since March 2017. Amy has a wide range of experience advising auto finance companies - including a role as Compliance Officer and In-House Counsel at MarkOne Financial.

Amy holds a BA from the University of Texas and a JD from Cooley Law School.

Lyndon has served as United Auto Credit’s Chief Operations Officer since January 2023. Prior to joining UACC, Lyndon served as the General Manager of Yamaha Financial Services’ captive retail lending and insurance businesses.

Prior to that, he held senior management positions in consumer and auto lending at Synchrony Financial, Wells Fargo Dealer Services and HSBC Auto Finance.

Lyndon holds bachelor’s degrees in applied mathematics and management science from the University of California at San Diego; and he holds an MBA from the Kellogg School of Management at Northwestern University.

Stefano joined United Auto Credit in May 2023 as the SVP of Risk.  He brings with him a wealth of consumer and auto lending experience across the Risk and Credit spectrum with senior leadership roles at Wells Fargo, US Bank, Wachovia, and HSBC.

Stefano holds a bachelor's degree in Statistics from California Polytechnic State University, San Luis Obispo.

Live Chat