Independent Indirect Auto Lenders & Special Finance Programs
This site focuses on dealer-facing indirect auto lenders and special finance companies, not big depository banks. These lenders specialize in serving independent and franchise dealers with flexible underwriting and dealer-focused programs.
Quick navigation
Explore region-specific lender options and special finance programs.
Reality check
Special finance and independent lenders remain active in indirect auto lending, often with more flexible underwriting than traditional banks. Always confirm current program status and dealer eligibility directly.
This site focuses on independent and special finance lenders that actively serve dealers.
Core Indirect & Special Finance Lenders
These are independent indirect auto lenders and special finance companies that focus on dealer relationships and flexible underwriting. Always verify current program eligibility, state coverage, and dealer requirements directly.
| Lender | Type | Best for | Dealer notes |
|---|---|---|---|
| Credit Acceptance | Special finance / subprime | Independent dealers needing subprime approvals and flexible programs | Major special finance lender with dealer programs and training resources. |
| Westlake Financial | Specialty / non-prime to prime spectrum | Broader approvals across credit bands; independent dealers | Program highlights and tiering described on its indirect finance page. |
| Santander Consumer USA | Full-spectrum with strong special finance | Special finance + expanding full-spectrum; dealer relationship team | Dealer onboarding/contact portal; recent dealer web-lead product announcements. |
| Flagship Credit Acceptance | Special finance / subprime | Independent dealers needing subprime coverage | Special finance lender focused on dealer relationships. |
| Exeter Finance | Special finance / subprime | Dealers needing subprime and non-prime approvals | Special finance company with dealer programs. |
| Global Lending Services (GLS) | Special finance / subprime | Independent dealers with subprime needs | Special finance lender with dealer-focused programs. |
| United Auto Credit | Special finance / subprime | Dealers needing flexible subprime approvals | Special finance company serving independent dealers. |
| American Credit Acceptance | Special finance / subprime | Independent dealers with subprime and non-prime needs | Special finance lender with dealer programs. |
Regions
Go to your region to see region-specific lender options and special finance programs.