southeast subprime & special finance lenders • independent lenders • regional options
Southeast Indirect Auto Lending
FL, GA, Carolinas, TN, AL, MS
Subprime & Special Finance Lenders
These independent and special finance lenders are commonly available to Southeast dealers. Always verify current program eligibility, state coverage, and dealer requirements directly.
What to verify
- State coverage and title/funding process for your exact counties.
- eContracting support and doc package requirements.
- Dealer fees, participation rules, and any caps.
- How they treat higher mileage, older units, and prior damage history.
- Callback cadence and the "clean deal" standard your F&I must hit.
Subprime & Special Finance Lenders for Southeast Dealers
Curated shortlist of independent and special finance lenders. Always confirm current dealer onboarding requirements, program eligibility, and state coverage directly with each finance source.
| Lender | Type | Why it matters | What to ask / verify |
|---|---|---|---|
| Credit Acceptance | Special finance / subprime | Major special finance lender with dealer programs and training resources. | State coverage, program tiers, stip/funding timelines, dealer eligibility. |
| Westlake Financial | Specialty / non-prime | Approval expander for independent dealers; broad credit spectrum. | Fee rules, stips, title/funding steps in your state. |
| Flagship Credit Acceptance | Special finance / subprime | Special finance lender focused on dealer relationships. | State coverage, max vehicle age/mileage, stip standards, funding cadence. |
| Exeter Finance | Special finance / subprime | Special finance company with dealer programs. | Dealer eligibility, program tiers, state coverage. |
| GLS (Global Lending Services) | Special finance / subprime | Special finance lender with dealer-focused programs. | State coverage, vehicle eligibility, stips, funding process. |
| United Auto Credit | Special finance / subprime | Special finance company serving independent dealers. | Dealer eligibility, program fit, state coverage. |
| American Credit Acceptance | Special finance / subprime | Special finance lender with dealer programs. | State coverage, program tiers, stip requirements. |
| Santander Consumer USA | Full-spectrum with strong special finance | Well-known special finance operator with dealer onboarding; can add breadth to approvals. | State coverage, max vehicle age/mileage, stip standards, funding cadence. |
Operational notes
- Don't over-index on approval rate alone. Track net funding time, callback rate, and average stips per funded deal.
- Standardize your doc package. The fastest stores build a "clean deal checklist" that matches the strictest lender you use.
- Watch concentration risk. If one lender is 40%+ of your fundings, you're exposed to policy changes.
- Use your finance platforms as the source of truth. Platform directories (Dealertrack/RouteOne) show what's enabled and supported.
Next steps
- Audit your last 60–90 days of funded deals: approvals, callbacks, average stips per lender, and funding time.
- Identify 2 gaps: one "approval expander" and one "funding speed stabilizer."
- Onboard and ramp intentionally: train your F&I and desk on each lender's red lines and doc standards.