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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: (855) 490 0900








Pay Here


Customer Service: (855) 490 0900











Flexible
Finance Programs



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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
$30,000.
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
$25,000.
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
$30,000.
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
$25,000.
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, Tesla, Genesis, AlfaRomeo, Bentley, Hummer, Saturn, Porsche, Jaguar, Suzuki, Peugeot, Rolls, Royce, Oldsmobile, Lamborghini, Lotus, Maserati, 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)


FAQ


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

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

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

If I have questions concerning my vehicle, who do I contact?

You always should contact the Dealership where you purchased your vehicle. This is where most if not all questions can be addressed to your satisfaction concerning your purchase. If you do not feel your situation has been addressed sufficiently we urge you to call our Customer Service Phone: (855) 490-0900 or email us at: customerservice@firmautousa.com

How do I get a copy of my recent statement?

You can call Customer Service and speak with a Customer Service representative at (855) 490-0900, or email us at: customerservice@firmautousa.com.

How do I get a payoff amount for my loan?

You can call Customer Service and speak with a Customer Service representative at (855) 490-0900, or email us at: customerservice@firmautousa.com.

What should I do if I am in an accident?

Contact your insurance company to file a claim. You will also need to notify our Customer Service Department about the accident and provide the necessary information: (855) 490-0900, or email us at: customerservice@firmautousa.com. If the vehicle is deemed a total loss, please have your insurance company contact us.

How do I change my billing address or phone number information?

For any address or phone number change, please complete this form.
If mailing address is a P.O Box, the Residence Address section on the right MUST br completed.

Please complete the form and send it to:
Email: customerservice@firmautousa.com

Who can I call if I have any questions?

You can call Customer Service and speak with a Customer Service representative at (855) 490-0900, or email us at: customerservice@firmautousa.com.



FirmAuto USA

Customers
Contact















Customer Service / Complaints

For any general question, or make a payment, please call 855-490-0900 Toll free. Our customer service representatives are available from 8 am to 5 pm Pacific time Monday through Friday.

If you would like to report a problem or file a complaint, contact our Complaints Department at 855-490-0900 Toll free, 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.




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