18000 Studebaker, Suite 700, 90703, Cerritos, California
+1 (562) 467-6963‬
ENG / ESP





Our
Company






Become an
Associate Dealer






Flexible
Financing Programs



Horizontal Acordion


SSN: Mandatory / ITIN
Not accepted
APR
From 9%, to be determined by deal structure and applicant credit
Bureau score type
TransUnion VantageScore 4.0
Minimum down payment
0%
Maximum term
84 months
Maximum amount financed
$50,000.00
Mileage
Less than 120,000
Maximum vehicle age
10 years

Bankruptcies
No open BK or BK dismissed/discharged in the last 24 months.
Repossessions
No repossessions or auto charge-offs in the last 24 months.
Contracts
Simple interest arbitration only.
Eligible title
Clean only.


Minimum job time
1 years
Minimum residence time
2 years*
Proof of income
Mandatory**
References
5 References
Proof of insurance
Mandatory
Proof of residence
Mandatory
Driver license
Mandatory***
Landline/Cell phone bill
Mandatory


Minimum job time
2 years
Minimum residence time
2 years*
Proof of income
Mandatory**
References
5 References
Proof of insurance
Mandatory
Proof of residence
Mandatory
Driver license
Mandatory***
Landline/Cell phone bill
Mandatory


Minimum job time
3 years
Minimum residence time
2 years*
Proof of income
Mandatory**
References
10 References
Proof of insurance
Mandatory
Proof of residence
Mandatory
Driver license
Mandatory***
Landline/Cell phone bill
Mandatory

Premier Program
Credit Score 500+

Minimum job time
3 months proof of income
Minimum residence time
NA
Proof of income
Mandatory**
References
NA
Proof of insurance
Mandatory
Proof of residence
Mandatory
Driver license
Not Mandatory***
Landline/Cell phone bill
Mandatory

Premium Flex
Credit Score 500 and above

Minimum job time
1 years
Minimum residence time
2 years*
Proof of income
Mandatory**
References
5 References
Proof of insurance
Mandatory
Proof of residence
Mandatory
Driver license
Mandatory***
Landline/Cell phone bill
Mandatory

Standard Flex
Credit Score 401- 499

Minimum job time
2 years
Minimum residence time
2 years*
Proof of income
Mandatory**
References
5 References
Proof of insurance
Mandatory
Proof of residence
Mandatory
Driver license
Mandatory***
Landline/Cell phone bill
Mandatory

First Flex
Credit Score No score - 400

Minimum job time
3 years
Minimum residence time
2 years*
Proof of income
Mandatory**
References
10 References
Proof of insurance
Mandatory
Proof of residence
Mandatory
Driver license
Mandatory***
Landline/Cell phone bill
Mandatory






Bankruptcies
Yes. More than 3 years closed accepted.
Repossessions
Yes. More than 3 years accepted.
Contracts
Simple interest arbitration only.
Eligible title
Clean title only.
Ineligible titles
Salvage, junk, rebuilt, water damage, storm damage, lemon, or crash test branded titles.
Ineligible vehicles
Gray market, fire damage, recycled, strip, taxi, and police vehicles.


FAQ


What is the Company's Contact Information, and where is the Company located?

Corporate Office:
FirmAuto USA Inc.
18000 Studebaker, Suite 700
Cerritos, California 90703
Office: (562) 467-6963
Fax: (562) 467-6999

Dealership Relation's Department:
Email: dealer@firmautousa.com
Office: (562) 467-6963
Cel: (213) 640-4290

Underwriting Department:
Email: underwriting@firmautousa.com
Office: (562) 467-6963
 Cel: (213) 296-4597

Customer Service Department:
FirmAuto USA Inc.
Tel: (855) 490-0900
Email: customerservice@firmautousa.com
Fax: (949) 381-2171
P.O. BOX 631727
Irving, TX, 75063

How can I become an authorized Dealership?

You will have to execute the Dealer Agreement and send it to dealers@firmautousa.com.
Please refer to the required documentation HERE

What is the minimum score a client must have in order to get a loan?

We have plans from 0 score (no score) through 500 and above; please refer to our Program Guidelines HERE for more detailed information.

Is there a rewards program for Dealers?

Yes. FirmAuto has a Premium Dealer Program. Access is granted on a month-to-month basis. To access the program, a dealer must fund a minimum of 50% of deals rated as a Premium Flex customer to receive a 20% discount fee reimbursement over the lender ee, to be paid the following month. Minimum 3 funded deals during the month are required. Premier, Standard Flex and First Flex deals do not count for this reward program.



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Customer Service / Complaints

For any general question, or make a payment, please call 562-467-6963. Our customer service representatives are available from Mon-Fri: 9AM to 5PM PT.

If you would like to report a problem or file a complaint, contact our Complaints Department at 562-467-6963 or email your complaint to customerservice@firmautousa.com. Please include your account number on all correspondences. We will respond to all voicemail messages and e-mails as soon as possible – in most cases within 24 hours after your complaint has been reported.




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