Our
Company






Become an
Associate Dealer






Flexible
Financing 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
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

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




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.

*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)
***Driver license suspended or revoked won't be accepted.


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.






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 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.




    Copyright © 2021 FirmAuto USA Inc. All rights reserved