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Overview
United Auto Credit partners with auto dealers to provide financing for customers with a wide range of credit histories, offering loans when other lenders say no. It operates through dealer channels, supplying financing options, underwriting support, and ongoing guidance to streamline approvals and improve outcomes for customers and dealers. The company differentiates itself through a people-first culture, consistent service, and a commitment to making a real difference for dealers, customers, and the community. Its goal is to help more people access affordable auto financing while supporting dealer growth and success.
About United Auto Credit
Industries
Automotive & Transportation
Financial Services
Company Size
201-500
Company Stage
Acquired
Total Funding
N/A
Headquarters
Fort Worth, Texas
Founded
1996
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Simplify's Take
What believers are saying
- Q1 2026 UACC originations reached $151 million, up 16.2% year over year.
- Vroom reported $56.4 million consolidated liquidity and $14.9 million UACC warehouse capacity.
- Improved internal scoring reduced realized and unrealized losses, boosting 2026 profitability trends.
What critics are saying
- June 2, 2026 warehouse facility maturity threatens liquidity if lenders refuse renewal.
- UACC’s subprime book depends on volatile securitization markets and continuous collateral performance.
- Vroom’s post-bankruptcy balance sheet still carries UACC credit risk; a funding freeze becomes existential.
What makes United Auto Credit unique
- UACC is Vroom’s captive nonprime auto lender, still operating after Vroom’s 2024 wind-down.
- February 5, 2026 securitization funded $274.9 million of subprime contracts with $225 million notes.
- UACC keeps servicing receivables, earning fees and preserving lender relationships through repeated ABS issuance.
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Funding
Total Funding
$0
Below
Industry Average
Funded Over
1 Rounds
Benefits
Health Insurance
Dental Insurance
Vision Insurance
Paid Vacation
401(k) Retirement Plan
401(k) Company Match
Company News
The Federal Trade Commission (FTC) has begun sending more than $934,000 in refunds to consumers after reaching a settlement with online used car dealer Vroom in July. The refunds will compensate consumers who bought cars and were harmed Vroom’s alleged violations of the law, which included misrepresenting that it thoroughly examined all vehicles before listing them for sale, failing to obtain consumers’ consent to shipment delays or provide prompt refunds, failing to provide required information to consumers during the purchase process, and failing to provide warranty information, the FTC said in a Thursday (March 13) press release. The settlement reached in July required Vroom to provide the money to compensate consumers, stop misleading consumers about inspections or shipping, and provide the required disclosures, per the release
Automotive finance company and digital services platform Vroom filed for Chapter 11 bankruptcy Wednesday (Nov. 13), saying in a filing with the Securities and Exchange Commission (SEC) that it plans to operate its business as a “debtor-in-possession” under the jurisdiction of the bankruptcy court. None of its subsidiaries are expected to commence Chapter 11 proceedings, Vroom said in the filing. The company said in a Tuesday (Nov. 12) press release that its subsidiaries include United Auto Credit Corp. (UACC), CarStory and Vroom Automotive and that Vroom, Inc
Vroom, the online used car dealer that discontinued its eCommerce operations in January, has reportedly agreed to a proposed settlement that would include it paying $1 million that would be refunded to consumers. The Federal Trade Commission (FTC) said in a Tuesday (July 2) press release that Vroom agreed to the proposed settlement after the regulator took action against the company, alleging that it deceived customers, failed to deliver on time and failed to provide required disclosures. “Vroom promised the fast deliveries of thoroughly inspected cars, but sped right past compliance,” Samuel Levine, director of the FTC’s Bureau of Consumer Protection, said in the release. “Online car dealers and other Internet sellers must provide required disclosures just like any brick-and-mortar businesses that comply with the law.”
The company ended transactions through vroom.com , completed previously contracted transactions, sold “substantially all” of its used vehicle inventory and paid off a vehicle floorplan financing facility, Vroom said in a Thursday (April 4) filing with the Securities and Exchange Commission .Vroom completed the previously announced wind-down of its eCommerce and used vehicle dealership businesses.Vroom announced Jan. 22 that it had begun to wind down the eCommerce and used vehicle dealership businesses.UACC offers vehicle financing through third-party dealers, while CarStory provides an artificial intelligence-powered analytics and digital services platform for automotive retailers, the filing said.The company’s other businesses — United Auto Credit Corp. (UACC) and CarStory — are not affected by this wind-down and continue to serve their third-party customers, according to the filing.Free? Of course. You've uncovered one of our premium articles. Register to keep reading and receive free unlimited access to all our premium content.By completing this form, I have read and acknowledged the terms and conditions .If you did not receive the email, or would like to send the verification to another email address, please submit the request again.Verification email has been sent to. Please check your email.Thank you for registering
Greenville Auto Auction in Greenville, N.C., has been recognized by United Auto Credit Corporation as its 2023 Auction of the Year.
United Auto Credit is Hiring for 13 Jobs on Simplify!
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About United Auto Credit
Industries
Automotive & Transportation
Financial Services
Company Size
201-500
Company Stage
Acquired
Total Funding
N/A
Headquarters
Fort Worth, Texas
Founded
1996
United Auto Credit is Hiring for 13 Jobs on Simplify!
Find jobs on Simplify and start your career today