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






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Options



Dear Valued Customer,

FirmAuto USA recently changed its payment processing system.

If you have any further questions regarding your account, please call us at
(562) 467-6963
or send us an email to customerservice@firmautousa.com
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We appreciate that you have chosen FirmAuto USA for your car financing solutions. Our team is committed to ensuring that you receive excellent service.




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Customer Service: (877) 854-5688








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Single Payment By Phone



Customer Service: (877) 854-5688

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PAYMENT DISCLOSURES
INSURANCE REQUIREMENTS
NOTICES
CREDIT REPORTING NOTIFICATIONS
ADDRES AND PHONE NUMBER CHANGES
CUSTOMER FORMS




Flexible
Finance 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.



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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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