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Southern Auto Finance Company (SAFCo)

SAFCo Auto LoansThe Southern Auto Finance Company, or SAFCo, is a non-prime auto lender operating online throughout the United States. Known as the CreditBuilders, SAFCo specializes in offering loans to individuals with poor credit, hard-to-verify income, or no credit history. The company is based out of Orlando, Florida, and has partnered with such respected dealer networks as AutoNation, Group 1, Sonic Automotive, and Van Tuyl Group, as well as Wells Fargo.

SAFCo Auto Loans

SAFCo was established in 1990 with the sole purpose of responsibly providing auto loans to sub-prime borrowers. SAFCo designs its auto loans with non-traditional credit profiles in mind so that their clients can either establish or re-establish a good credit rating. To that end, all loans are reported to the three major credit reporting agencies (Equifax, Experian, and TransUnion) on a monthly basis.

It is important for potential SAFCo customers to remember that, while you will be offered the opportunity to improve your credit, sub-prime auto loans will require a few non-traditional conditions. These conditions will include a non-prime interest rate. Your interest rate will be tied to your credit score, so the lower your score is, the higher your interest rate may be. Additionally, you may be required to repay the loan over a shorter period of time.

The SAFCo Application Process

Because SAFCo operates online, the application process is a little different than with a traditional bank or credit union. You will need to visit their website to find an approved dealer near you ( then go directly to that dealership to apply for a SAFCo auto loan.

Southern Auto Finance will approve an auto loan for up to $25,000 with a maximum loan term of 72 months if you meet their lending guidelines. Those guidelines include, but may not be limited to: having a stable job, the vehicle must be less than 10 years old, offer proof of insurance on the vehicle under consideration, and you will need to offer a down payment of $1,000 and 20 percent of the total price of the vehicle in either cash or trade.

Contact Information

If you are interested in obtaining more information about a SAFCo auto loan or becoming a SAFCo approved dealership, you can visit their website ( or call account services at 1- 800-599-8858. You can also contact them by mail at:

Southern Auto Finance Co.
6300 Hazeltine National Drive #108
Orlando, Florida 32822