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Responsible Auto Lending Since 1999

Top Finance Company is a California lender specializing in purchasing and servicing private passenger auto installment sales contracts originated by California auto dealers on both new and used vehicles.

While technology has changed on time, our basic program and business philosophy has remained the same since inception in 1999.

Every deal submitted by a dealer is reviewed manually, by an experienced underwriter, using consistent common sense rules. During normal business hours, we strive to maintain a 15 minute initial indication on electronic submissions.

PROGRAM HIGHLIGHTS

  • Low to zero Discounts
  • Integration with DealerTrack and RouteOne
  • Rates (APR) from 9.99% - 23.99%
  • GAP available, sell for up to $795, dealer cost $195, dealer keeps profit.
  • Agressive First Time Buyer Program.
  • Branded title vehicles accepted
  • TIN, invalid SSN OK!
  • Open BK chapter 13 with trustee letter
  • No minimum FICO
  • Must have job and residence stability with min $1800/month income
  • No driver's license OK.
  • Commercial vehicles OK.
  • 60 months OK with stable buyers and unit up to 4 years old under 80k miles.
  • No max amount financed. Exotics and high value vehicle program.
  • No insurance required for funding.

DEALER RELATIONS MANAGER

Alex Hernandez
Direct line: (818) 721-3717
Private fax: (818) 239-4468
E-mail: AlexH@topfinance.com
NORTHERN CALIFORNIA SENIOR TERRITORY REPRESENTATIVE
Ray Hurtado
Direct line: (559) 470-7425
Private fax: (818) 239-4472
E-mail: RayH@topfinance.com
SOUTHERN CALIFORNIA SENIOR TERRITORY REPRESENTATIVE
Joe Marlo
Direct line: (562) 505-6901
Private fax: (818) 979-2258
E-mail: JosephM@topfinance.com
BUSINESS HOURS
Monday - Friday 8 a.m. - 7 p.m.
Saturday 9 a.m. - 4 p.m.
CONTACT NUMBERS
Dealer line: (800) 761-8920
Dealer fax line: (818) 721-3811