If you’ve ever had a solid buyer sitting across the desk—only to lose the deal because financing couldn’t come together—you’re not alone. At United Auto Credit (UACC), we understand the daily grind of helping customers with challenging credit. That’s why we’ve built a suite of financing programs designed specifically for dealers like you—programs that help serve a wide variety of car buyer credit profiles.
Whether you’re working with a subprime buyer, helping a commercial client, or supporting a customer who’s rebuilding after bankruptcy, UACC offers programs to meet your needs—and theirs!
One Lender. Multiple Solutions.
With UACC, you’re not limited to a one-size-fits-all approach. We offer multiple financing programs tailored to different customer profiles, helping you close more deals efficiently and confidently.
Our core programs include:
- Preferred Program – Designed for strong subprime customers looking for competitive financing.
- Commercial Program – Supports qualified buyers using vehicles for business purposes.
- Subprime Plus Program – Built for customers with improving credit who may not yet qualify for prime rates.
- First-Time Buyer Program – Enables dealers to finance buyers new to credit through a structured, stability-focused approach.
- Bankruptcy Program – Provides opportunities for qualified buyers who are rebuilding after bankruptcy.
Each program offers flexible options, competitive structures, and the dealer support you’ve come to expect from UACC.
What This Means for You
Here’s what sets UACC apart as your indirect lending partner:
- More Financial Options – Serve a wider range of customers, including those with little or no credit history.
- Flexible Terms – Competitive programs designed to help keep payments manageable.
- Streamlined Process – Dealer-friendly criteria and clear communication every step of the way.
- Stronger Profit Potential – The more customers you can serve, the more vehicles you move—and the greater your dealership’s success.
Whether it’s a busy Saturday or a first-time buyer looking for their start, UACC gives you the tools to say “yes” more often.
Let’s Put the Power Back in Your Hands
Ready to expand your deal potential and unlock more opportunities? Your next funded deal could be one application away.
Already a UACC Dealer?
Submit your next deal through our Dealer Portal and see how UACC helps you move deals forward—faster and with confidence.
Not yet a UACC Partner?
Join our dealer network and get access to programs that help you compete, close, and grow.
Disclosures
- UACC stands for United Auto Credit Corporation
- Terms and availability are subject to UACC’s credit and underwriting standards.
- All finance programs are subject to credit approval and may not be available in all states. Terms, rates and amounts shown are examples and may vary based on application qualifications and applicable law.
- The information in this blog is for general educational purposes only and does not constitute legal, credit, or financial advice. Product availability, rates, and terms are subject to change and may vary based on UACC’s internal credit and underwriting standards and is subject to applicable requirements.
- UACC’s Bankruptcy Program eligibility for applicants is subject to additional eligibility requirements. Bankruptcy program communication is for informational purposes only and does not constitute legal advice.
- Some commercial vehicles are not eligible for financing, contact your Area Manager or United Auto Credit for more information.
