Our
Company






Become an
Associate Dealer






Flexible
Finance Programs




Horizontal Acordion


Score
TU VantageScore 4.0.
APR
As low as 9.00%.
Maximum Amount Financed
$60,000.
Minimum Cash Down Payment
0%.
Miles and Vehicle age
Up to 120,000 miles and 10 years age.
Term
84 months maximum.


Score
Our BuroFlex program and traditional credit scores will be used to determine APR, term and amount financed. Situational negative credit accepted; habitual negative credit not accepted.
APR
As low as 19.99%.
Maximum Amount Financed
$35,000.
Minimum Cash Down Payment
5%.
Miles and Vehicle age
Up to 120,000 miles. Up to 20,000 miles per year. Vehicle age plus term must not exceed 9 years.
Term
72 months maximum.


Score
Our BuroFlex program and traditional credit scores will be used to determine APR, term and amount financed. Situational negative credit accepted; habitual negative credit not accepted.
APR
As low as 19.99%.
Maximum Amount Financed
$30,000.
Minimum Cash Down Payment
10%.
Miles and Vehicle age
Up to 120,000 miles. Up to 20,000 miles per year. Vehicle age plus term must not exceed 9 years.
Term
72 months maximum.


Score
No score needed! Our BuroFlex Scoring procedure will be used to determine APR, term and amount financed.
Benefits
Customer reward program of up to 5 points discount over APR when 6 months of payments made on time. Rewriting contract applies.
APR
As low as 24.99%.
Maximum Amount Financed
$20,000.
Minimum Cash Down Payment
20%.
Miles and Vehicle agez
Up to 120,000 miles. Up to 20,000 miles per year. Vehicle age plus term must not exceed 9 years.
Term
72 months maximum.
Score
TU VantageScore 4.0.
APR
As low as 9.00%.
Maximum Amount Financed
$60,000.
Minimum Cash Down Payment
0%.
Miles and Vehicle age
Up to 120,000 miles and 10 years age.
Term
84 months maximum.

Score
Our BuroFlex program and traditional credit scores will be used to determine APR, term and amount financed. Situational negative credit accepted; habitual negative credit not accepted.
APR
As low as 19.99%.
Maximum Amount Financed
$35,000.
Minimum Cash Down Payment
5%.
Miles and Vehicle age
Up to 120,000 miles. Up to 20,000 miles per year. Vehicle age plus term must not exceed 9 years.
Term
72 months maximum.

Score
Our BuroFlex program and traditional credit scores will be used to determine APR, term and amount financed. Situational negative credit accepted; habitual negative credit not accepted.
APR
As low as 19.99%.
Maximum Amount Financed
$30,000.
Minimum Cash Down Payment
10%.
Miles and Vehicle age
Up to 120,000 miles. Up to 20,000 miles per year. Vehicle age plus term must not exceed 9 years.
Term
72 months maximum.

Score
Our BuroFlex program and traditional credit scores will be used to determine APR, term and amount financed. Situational negative credit accepted; habitual negative credit not accepted.
Benefits
Customer reward program of up to 5 points discount over APR when 6 months of payments made on time. Rewriting contract applies.
APR
As low as 24.99%.
Maximum Amount Financed
$20,000
Minimum Cash Down Payment
20%
Miles and Vehicle age
Up to 120,000 miles. Up to 20,000 miles per year. Vehicle age plus term must not exceed 9 years.
Term
72 months maximum.



Minimum job time
3 months.
Proof of income
Required**.
Proof of residence
Required.
References
Provide 5 personal references (minimum).
Proof of insurance
Mandatory.
Landline/Cell phone bill
Mandatory.
Ineligible vehicles
Gray market, fire damage, recycled, strip, taxi, and police vehicles.
All programs exclude
Smart, Saab, Genesis, AlfaRomeo, Bentley, Hummer, Saturn, Jaguar, Suzuki, Peugeot, Rolls, Royce, Oldsmobile, Lamborghini, Lotus, Maybach, McLaren, Isuzu, Ferrari, Fisker.
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.


No Bussiness loans.
*Living in the same address.
**Proof of incomes accepted are including but not limited to: i) Salary/wages. ii) Bank Statements. iii) Bonuses. iv) Overtime. v) Letter of Employment. vi) Child support. vii) Frequency of payment (eg. Weekly, bi-weekly, semi-monthly)






Dealer Forms


  • Buyer Release.pdf
  • Cutomers ACH Authorization.pdf
  • Auto Insurance Verification.pdf
  • Customer References.pdf
  • GAP Waiver.pdf
  • GPS Installation Agreement.pdf



  • 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.



    FirmAuto USA

    Dealer
    Contact














    Customer Service / Complaints

    For any general question, or make a payment, please call 877-854-5688. Our customer service representatives are available from Mon-Fri: 5AM to 7PM · Sat and Sun: 5AM to 2PM.

    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 complaints@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.




    Copyright © 2022 FirmAuto USA Inc. All rights reserved