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

Created with the car buying public in mind, United Auto Credit has become a leader in the automotive lending industry. When other lenders 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 loans for customers across the credit spectrum.

In total, what we call the Common Sense Override 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 is to provide excellent service to our Dealers and Customers through common sense lending.

Common sense thinking not only drives us towards intimate dealer and customer relationships, but it is one ideal that separates United Auto Credit from other lenders in the industry.

Our common sense lending approach allows us to make individual credit decisions for our customers on a deal-by-deal basis. As a result, our dealers are able to sell more cars, our customers receive the financing they need to establish or repair their credit, and United Auto Credit gets the satisfaction from knowing both parties are happy with the service we provide.

— As one of the Top 10 non-prime auto lenders in the country our goal is provide excellent service to our Dealers and Customers by being the best at what we do.

James Vagim – President & Chief Executive Officer

Jim has served as United Auto Credit’s President & CEO since 2008. In his capacity, Jim oversees all aspects of United Auto Credit’s strategic direction and day-to-day operations. Brought aboard to manage United Auto Credit’s reorganization, Jim is credited with building a team of exceptional individuals whose efforts in executing a successful turn-around have positioned United Auto Credit as one of the country’s leading non-prime automotive finance companies.

—“At United Auto Credit, we have an unwavering commitment to the success of our dealer partners and their customers. We take great pride in bringing a very human element to the credit decision process; from our Area Managers, to our Buyers, to our Customer Support teams, everyone is challenged with ensuring that success.”

Leading to over 25 years of proven industry experience, Jim began his career in the automotive business as an accountant with the automotive dealer accounting firm, Kobayashi & Company. In 1988 he joined the Los Angeles based Hankey Automotive Group and spent 5 years in its retail automotive group with positions in Retail, Finance and Business Operations.

Ravi Gandhi – Managing Director & Chief Financial Officer

Ravi has been an executive with United Auto Credit since August 2008. His most valuable experience lies in obtaining and securing access to capital. Ravi has more than 15 years of experience in the auto finance industry working for Financial Security Assurance (FSA) and now United Auto Credit.

Ravi has served as United Auto Credit Executive Vice President and Chief Financial Officer since September 2009. From August 2008 to September 2009, he served as the company’s Executive Vice President and Chief Credit and Risk Officer.

—“We are doing things that will make a difference by using proven, successful business practices. These practices ensure that United Auto Credit will never experience liquidity issues and will provide the best programs for contracted dealers.”

Ravi holds a Bachelor of Science in Business Administration from the State University of New York at Buffalo with a Concentration in Accounting.

Steve Singh – Chief Operating Officer

Steve joined United Auto Credit in 1999 as an Assistant Branch Manager and advanced over time to his current position. As the Company’s COO, Steve is responsible for ensuring the daily execution of all operational functions and optimizing coordination between departments to ensure the achievement of organizational objectives.

—“The operational success of any company is in the quality of its people and their ability to execute at a high level. I am privileged to work with some of the most talented people in the industry who are passionate, driven and results oriented.”

Steve is a veteran of over 18 years of automotive finance industry experience. Prior to coming to United Auto Credit, Steve spent 4 years at GMAC where he worked as a Sales Analyst. Since joining United Auto Credit Steve has advanced through the positions of Assistant Branch Manager, Branch Manager, Regional Manager, VP/Division Manager and Senior VP of Operations. In his current position as the Company’s Chief Operating Officer, Steve leads the efforts of all operational departments in pursuit of the Company’s objectives. Steve received his Bachelors degree from California State University, Long Beach in 1995.

Peter Krogh – General Counsel

Peter Krogh joined United Auto Credit as General Counsel in 2009. Utilizing his prior experience advising both publicly and privately held companies, Peter assists employees across the company in ensuring that relationships with dealers and customers – the heart of the company’s business – remain mutually beneficial.

—“As General Counsel, my fundamental role includes providing guidance to our Board, Executives and Employees with respect to regulatory compliance, corporate governance issues and contractual matters.”

Prior to joining United Auto Credit, Peter practiced in the Corporate Department of the international law firm, Latham & Watkins LLP, for over seven years as a corporate associate. His practice at Latham & Watkins focused on transactional work in capital markets, finance mergers and acquisitions, as well as general company representation matters for a number of both publicly-traded and privately-held companies across a number of industries.

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