HOW SAFCo CAN HELP

SAFCo is a specialty finance company that makes auto loans to people with poor credit or no credit. But we do much more than that: we also work to establish or repair your credit score, giving you greater financial flexibility for future purchases, from cars to credit cards to mortgages and more.

We can do that because we don't operate like traditional lenders. Instead of simply looking at your credit score to determine whether your loan would be an acceptable risk, SAFCo considers other criteria, such as how long you've held your job, how long you've lived in the area, and what your cash flow is each month to make loan decisions.

These are the sort of things that "buy-here-pay-here" auto dealers also look at when considering a purchaser's eligibility, but there's one big difference: at SAFCo, we report your good repayment activity to the credit bureaus who determine your credit score, so simply by repaying your SAFCo loan in a timely manner, you can improve your credit score. "Buy-here-pay-here" dealers typically only report negative repayment history to the credit bureaus, so even if you make your payments on time every month, your good behavior may not be reflected in your credit report or score.

At SAFCo, our goal is to improve our customers’ credit so that they can obtain traditional financing with their next automotive purchase. We may be the only business in the country who doesn't want repeat customers, because we work to help our customers get the credit they're due.