Business Details
Automotive Financing Solutions for Dealerships
ZINC Auto Finance has built a strong reputation as a specialized auto finance company focused on supporting dealerships by purchasing non-prime automobile contracts. With our own capital and in-house underwriting capabilities, we provide fast funding solutions in as little as 48 hours, allowing dealers to maintain operational liquidity and focus on growing their core business. Our team leverages decades of industry experience in auto finance to streamline the approval process for retail installment contracts, ensuring a high success rate for hard-to-place accounts.Our commitment to efficient service, transparent communication, and tailored financing solutions has made us a trusted partner for independent and franchised dealers across California, where we service all aspects of our auto receivables from our Fresno headquarters. By prioritizing speed, reliability, and professional underwriting standards, we help dealerships navigate complex financing scenarios while maintaining ethical business practices that protect both dealers and consumers.
Services
Auto Sales Contracts
Non-Prime Financing
Quick Funding
In-House Underwriting
Dealer Liquidity Support
Payment Processing
Retail Installment Contracts
Highlights and features
- We provide funding in as little as 48 hours for auto sales contracts.
- Our in-house underwriting ensures fast approval rates for dealers.
- We specialize in hard-to-place non-prime automobile contracts.
- Our own capital enables quick liquidity for dealership partners.
- We maintain a well-established reputation for funding challenging contracts.
Services
Auto Sales Contracts
We purchase retail installment sales contracts from auto dealerships specializing in non-prime consumers. Our streamlined process enables dealers to secure financing for new and pre-owned vehicle transactions while maintaining business liquidity. By handling the financial aspects directly, we help dealers focus on customer service and sales operations.
Non-Prime Financing
Our expertise lies in non-prime automobile contracts for consumers with challenging credit situations. Through dedicated underwriting and flexible criteria, we support dealerships in finding financing solutions for customers who might otherwise struggle to secure traditional auto loans, expanding market reach while maintaining responsible lending standards.
Quick Funding
Leveraging in-house underwriting capabilities and proprietary capital, we deliver contract funding decisions within 48 hours. This expedited process provides dealers with the financial resources needed to maintain inventory turnover and operational efficiency while minimizing wait times for customers.
Dealer Liquidity Support
We help dealerships maintain cash flow by promptly purchasing their retail installment contracts. Our dedicated support allows businesses to reinvest in inventory and operations without waiting for extended financing cycles, creating a more sustainable and responsive business model for dealership partners across California.
Payment Processing
Our payment system enables 24/7 customer transactions through 7-11, CVS, and ACE locations statewide. While offering convenient payment options with a $4.99 convenience fee, we maintain compliance standards and accessibility to ensure seamless financial management for both dealers and end customers.
Questions
What types of contracts do you purchase?
We specialize in non-prime retail installment sales contracts for both new and pre-owned vehicle transactions.
How quickly can dealers receive funding?
Most contracts are funded within 48 hours of submission through our streamlined processing system.
What areas do you service?
We operate exclusively in California, providing financing solutions to dealerships statewide.
How can customers make payments?
Payments are available 24/7 at 7-11, CVS, and ACE locations with a $4.99 convenience fee.
How do dealers apply for your services?
Dealers can request a dealer packet through our website or contact our Fresno office directly.
What if I have a complaint?
Contact our compliance department via phone, email, or mail with account details for resolution within 15-60 days.
Reviews (1)
Kimberly Angulo
Dec 15, 2021
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This place has the worst car financing service. I would NEVER recommend anyone to finance here. I bought a car for $13,000 I am paying 345 a month. I know theres interest on the car however I was not expecting for the interest to be so high. I have had my car for a year so naturally I assumed since I paid $4,000 already I should only have about $10,000 or $11,000 left. I was completely wrong!!!!!!!
I called only to find out I still owe $12,000 so in 1 year you mean to tell me I have paid $3,000 of interest and $1,000 to my actual car I am LIVID and the worst part is that the employees are super
I called only to find out I still owe $12,000 so in 1 year you mean to tell me I have paid $3,000 of interest and $1,000 to my actual car I am LIVID and the worst part is that the employees are super
