Business Details
Trusted Auto Financing for Non-Prime Customers in Fresno
ZINC Auto Finance has been a trusted partner for auto dealerships since our founding, specializing in non-prime automobile financing solutions. We purchase retail installment sales contracts from independent and franchised dealers, providing critical liquidity to support their operations. Our in-house underwriting team delivers approvals within 48 hours, leveraging local expertise to serve California dealers and beyond. With a focus on challenged credit scenarios, we've developed flexible financing programs for 1099 employees, self-employed individuals, and those with prior credit difficulties.Our direct capital access ensures rapid funding without brokerage intermediaries, maintaining a 98% approval rate for dealerships that other lenders decline. We maintain transparent communication channels through dedicated underwriters and loan processors, operating extended hours to accommodate dealer needs. Our commitment to community-focused finance has established us as a reliable alternative for dealers seeking consistent funding solutions.
Services
Non-Prime Auto Financing
Contract Purchasing
Dealer Funding
Loan Portfolio Acquisition
Credit Recovery Programs
Highlights and features
- We fund hard-to-place contracts other lenders decline
- Our local underwriting ensures 48-hour approval decisions
- We specialize in financing for credit-challenged borrowers
- Direct capital access eliminates brokerage delays
- We maintain 98% approval rate for dealer submissions
What people say
Quick funding process
Help with every loan
High approval rates
Simple submission steps
Dealer for life
Services
Non-Prime Auto Financing
We specialize in financing for borrowers with challenged credit histories, including bankruptcies and repossessions. Our programs accommodate 1099 employees, seasonal workers, and self-employed individuals. Local underwriting teams evaluate each case individually to find viable financing solutions.
Dealer Contract Purchasing
We purchase retail installment sales contracts from independent and franchised dealerships. This provides immediate liquidity through direct capital access without broker intermediaries. Our streamlined process funds transactions within 48 hours of approval.
Loan Portfolio Acquisition
We acquire seasoned loan portfolios from dealers and lending partners across California and multiple states. As direct purchasers with available capital, we complete transactions in just a few days regardless of portfolio size.
Credit Recovery Programs
Our financing solutions help borrowers establish positive credit histories through consistent payment performance. We offer flexible terms for thin-file borrowers and those with prior financial challenges, including matricula ID acceptance.
Local Underwriting Services
Our Fresno-based underwriting team provides personalized evaluation of each application. This localized approach enables creative financing solutions for customers declined by larger institutional lenders through direct dealer communication.
Questions
What payment methods does ZINC accept?
We accept online payments through our website and mailed checks to our Fresno address.
How do I request a loan payoff?
Submit payoff requests by mail to 1525 E. Shaw Fresno, CA 93710 or fax to 866.602.8892.
Can I get financing with bad credit?
Yes, we specialize in non-prime financing for borrowers with bankruptcies, repossessions, and other credit challenges.
Do you work with small dealerships?
Absolutely, we provide equal support to both small independent dealers and large franchises.
How quickly can I get funded?
We typically fund approved transactions within 48 hours of receiving complete documentation.
What documents are required?
Dealer packets include application forms, dealership contracts, and pricing matrices available through our portal.
