Your Lender of Choice!

United Auto Credit’s main goal is to help drive the success of our dealers. As a nationwide sub-prime lender with over 20 years of experience, we work closely with our dealers to provide financing opportunities for customers from all credit backgrounds. See what we offer below.

Become a dealer Partner!

The Fast Lane – our premier portal

No vehicle age or mileage limitations

Open & discharged bankruptcies* welcome

Commercial Vehicle Programs

Hard-to-prove & Self- employed income OK

The Fast Lane

  •   24/7 access to work your applications
  •   Receive instant approvals seconds after submitting customer and vehicle information
  •   Print your contract documents directly from our site (50 state compliant)
  •   Track your contract with LIVE funding updates
  •   LIVE chat feature, connecting you to our funding department

Frequently Asked Questions

United Auto Credit is nationwide and currently active in 49 states.
You can learn more about our programs by signing up to Become a Dealer Partner, or calling our sales team at (866) 504-2133.
You can sign up with United Auto Credit by filling in your contact information on the “Become a Dealer Partner” form. A United Auto Credit Area Manager will reach out to you within 24-48 hours to guide you through the dealer enrollment process.
United Auto Credit finances up to $25,000 for most retail and commercial unit transactions (commercial units up to 14,500 lbs. GVWR qualify).
United Auto Credit will provide you with a FedEx label to ship your approved funding packages for processing. The address for submission via FedEx is:

United Auto Credit
4054 Willow Lake Blvd., Ste. 2073
Memphis, TN 38153
The lienholder address for titles is:

United Auto Credit
PO Box 277536
Sacramento, CA 95827
The lienholder address for insurance policies is:

United Auto Credit
PO Box 164129
Ft Worth, TX 76161
Yes. One of the unique differences that separate United Auto Credit from other finance companies is the ability to rehash your own deals on The Fast Lane, as well as the availability of our credit team to discuss your deals. With underwriters working Monday-Saturday from 8am-7pm PST, we’re ready for your call.
Our goal is to provide you with the most efficient funding process in the industry. You can utilize The Fast Lane to check the status of any deal in funding, determine any missing documentation, and verify pending stipulations. Additionally, you can contact our funding department at (866) 987-6508, or reach us online via live chat
Underwriting is available at (866) 987-6513 Monday-Friday 6 am-7pm (PST), Saturday 7am-5 pm (PST), and closed on Sundays.
If your customers have questions regarding their accounts, they can contact Customer Service at 888-895-6134. Please note that our Customer Service department is readily available Monday-Thursday 7am-9pm (CT), Friday 7am-7pm (CT), Saturday 8am-12 pm (CT), and closed on Sundays.
Getting a Payoff on your contract is easy. Call us at (888) 895-6134.

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