How It Works

At United Auto Credit, our highly trained and experienced team of underwriting professionals evaluates credit worthiness on a deal-by-deal basis. Contracted dealers work closely with our area sales team and regional buying centers to bring enhanced local market knowledge to every application review. The result – more customers driving off your lot with account approvals your other lenders just won’t make.

Once approved, our state-of-the-art document imaging and management programs speed your deals through a paperless funding process that puts your money in your bank account FAST!

  •   No vehicle age or mileage restrictions
  •   Bankruptcies welcome
  •   First time buyers program
  •   Generous terms for qualifying vehicles
  •   Every deal is eligible for “Common Sense Override”

Finance Made Easy on The Fast LaneTM

Our premier website is designed to put YOU behind the wheel. On The Fast Lane, a dealer can:

  • image:24/7 clock icon Receive callbacks 24/7
  • image:chart icon Restructure apps to maximize net check
  • image:comment bubble icon Communicate directly with buyers and funders on any deals in-house

Frequently Asked Questions (FAQs)

How do I get signed up with United Auto Credit?

You can sign up with United Auto Credit by visiting our “Become a Dealer Partner” page and filling in your contact information. A United Auto Credit Area Manager will reach out to you within 24-48 hours to guide you through the dealer enrollment process.

How do I submit applications to United Auto Credit?

United Auto Credit accepts consumer credit applications from approved dealers via DealerTrack, RouteOne, and The Fast Lane, our own premier dealer website.

How long does it take until I get a decision?

United Auto Credit has Credit Analysts reviewing applications across the country. Every credit application is evaluated and decisioned in a timely manner to enable our dealer partners to close deals fast.

Who do I contact about funding?

Our goal is to provide you with the most efficient funding process in the industry. If you have questions regarding the status of your deal you can contact our Funding Department at 866-987-6508, or reach us online via live chat.

Where do I send contracts for funding?

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

What is the lienholder address I should list on the title applications?

The lienholder address for titles is:

United Auto Credit
PO Box 2108
Lexington, SC 29071

What is the maximum amount you will finance?

Every deal is evaluated on its own merits. As a guide, United Auto Credit will finance up to $15,000 under our preferred program, and up to $25,000 for customers who qualify for our BK Program. Guidelines aside, we make stronger calls for stronger deals.

Can I rehash any decision?

Yes. One of the unique differences that separates United Auto Credit from other lenders 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 buyers working every Monday through Saturday in locations across the country, we’re ready for your call.

How many days from the date of the contract can I set the due date?

The first payment due date must be no more than 45 days from the date of the contract.

What are your standard stipulations for a deal?

Your United Auto Credit Area Manager can provide you with a copy of our Funding Documentation Checklist and cover everything you need to include to ensure that your funding packages sail through funding. You can also obtain a copy of the checklist by clicking here.

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