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How much do dealership finance jobs pay per hour?

As of Jun 12, 2026, the average hourly pay for dealership finance in the United States is $20.40, according to ZipRecruiter salary data. Most workers in this role earn between $17.07 and $22.84 per hour, depending on experience, location, and employer.

What are dealership finance jobs?

Dealership finance jobs typically refer to positions within car dealerships that handle financing and insurance (F&I) for customers purchasing vehicles. These roles are responsible for helping customers secure loans or leases, explaining financing options, and selling insurance products such as extended warranties or gap insurance. Dealership finance professionals also ensure all paperwork complies with legal and lender requirements, making the car-buying process smoother and more transparent for customers.

What is the difference between Dealership Finance vs Dealership Sales Associate?

AspectDealership FinanceDealership Sales Associate
Required CredentialsHigh school diploma, sometimes a finance or business backgroundHigh school diploma or equivalent, sales experience preferred
Work EnvironmentOffice setting within dealership, interacting with customers and finance managersShowroom floor, engaging with customers to sell vehicles
Employer & Industry UsageUsed in automotive dealerships for financing optionsUsed in automotive dealerships for vehicle sales

Dealership Finance professionals focus on arranging financing options for customers, working closely with banks and lenders. In contrast, Dealership Sales Associates primarily handle vehicle sales and customer interactions. Both roles are essential in the dealership environment but differ in responsibilities, credentials, and daily tasks.

What is the highest paid position at a car dealership?

The highest paid position at a car dealership is typically the general manager or dealership principal, who oversees all operations and can earn six-figure salaries plus bonuses. Other high-paying roles include finance directors and fixed operations managers, especially in larger dealerships with complex financial and service departments.

What are some common challenges faced by professionals working in dealership finance, and how can they be addressed?

Professionals in dealership finance often encounter challenges such as navigating complex lender requirements, managing tight deadlines for loan approvals, and ensuring compliance with both dealership and regulatory policies. Staying organized and maintaining clear communication with sales teams and lenders can help streamline the process. Additionally, ongoing training and keeping up-to-date with changes in financing products or regulations are essential for success and minimizing errors in documentation.

What are the key skills and qualifications needed to thrive in Dealership Finance, and why are they important?

To excel in Dealership Finance, you need strong financial acumen, knowledge of automotive financing products, and a background in finance or business, often supported by relevant certifications. Proficiency with loan management software, dealership management systems (DMS), and credit analysis tools is typically required. Exceptional negotiation, customer service, and attention to detail are vital soft skills for building trust and closing deals. These skills and qualities are crucial for ensuring compliance, maximizing profitability, and providing a seamless financing experience for customers.

How much does a financial advisor make at a car dealership?

A dealership financial advisor typically earns a base salary ranging from $40,000 to $70,000 annually, with additional commissions or bonuses based on sales performance. Total compensation can vary depending on experience, location, and dealership size, often reaching over $100,000 with incentives. Strong knowledge of finance products and sales skills are important for success in this role.

How to work in finance at a dealership?

To work in dealership finance, candidates typically need a high school diploma or equivalent, with some roles requiring a college degree or finance-related certification. Key skills include strong communication, understanding of credit and loan processes, and proficiency with dealership management software. Entry-level positions often involve assisting with loan applications, explaining financing options to customers, and processing paperwork, with opportunities for advancement into finance manager roles.

How are F&I manager's paid?

F&I managers at dealerships are typically paid through a combination of a base salary and commissions or bonuses based on the profitability of the finance and insurance products they sell. Their compensation often depends on the volume of deals closed and the profit margins they generate, incentivizing them to maximize sales of add-on products like warranties and insurance policies.
More about Dealership Finance jobs
What cities are hiring for Dealership Finance jobs? Cities with the most Dealership Finance job openings:
What are the most commonly searched types of Dealership Finance jobs? The most popular types of Dealership Finance jobs are:
What states have the most Dealership Finance jobs? States with the most job openings for Dealership Finance jobs include:
Dealership Finance jobs near you
Infographic showing various Dealership Finance job openings in the United States as of June 2026, with employment types broken down into 77% Full Time, and 23% Part Time. Highlights an 81% Physical, 8% Hybrid, and 11% Remote job distribution, with an average salary of $42,427 per year, or $20.4 per hour.
Auto Dealership Finance Manager

Auto Dealership Finance Manager

Stanley Automotive

Gilmer, TX

$100K/yr

Other

Posted 3 days ago

Job description

Seeking Experienced - Energetic Finance and Insurance Manager

Text "JoinRTeam" to 972-630-4473 to Apply Now!

Opportunity for Growth and Advancement!

  • $100,000+ Annual Earning Potential
  • Competitive Compensation Package including employer sponsored benefits after the first 30 days of employment!
  • Must be able to work in a highly ethical environment and adhere to all policies including product mark-up caps.
  • Must be able to successfully handle desk duties when not working F&I
  • Must pass drug test, background check, and Motor Vehicle Record Check

Job Summary

The Finance Manager is directly responsible for the overall operation of the Finance Department.  The Finance Manager is directly responsible for building a Team atmosphere that allows the dealership to attain top box Customer Satisfaction and consistent department profitability. Other goals and responsibilities will include but are not limited to: ensuring we maintain excellent relationships with lenders, manufacturer rebates are correct, submitted and promptly funded, and contracts are correct, routed to accounting in a timely fashion, and funded expeditiously.  Finance Manager will ensure every deal is handled ethically.  

Consistently achieves a Success Index (product penetrations) of 300 or better and a PRU after chargebacks of $1,550

Job Requirements

Two or more years of Automotive Sales Experience and 1 or more years of dealership management experience

Essential Duties

  • Maintains strong Finance Source Relationships
  • Successfully obtains lender approvals through appropriate deal structure and strong negotiation skills
  • 100% presentation of products utilizing Stanley Menu
    • Successfully sells a full line of backend products achieving penetration and per copy targets
    • Minimizes chargebacks by ensuring customers understand product values and charging appropriate mark-up.   
    • Customer signature of menu items purchased and declined is required in all deal jackets
  • Works with variable department management to maximize volume and gross
  • Provides back up to desk as needed
  • Completes all paperwork accurately and routes to ensure quick funding
  • Reviews all deals for accuracy, i.e. finance reserve, taxes, registration fees, manufacturer rebates, and any other special programs
  • Ensures all 100% adherence to all compliance policies and laws (Red Flag, Risk Based Disclosure Notices, Adverse Action Notices , FTC Safeguard Rules)
  • Assists in mentoring and training Sales Team

Product Presentation/Disclosure

  • 100% Turnover to F&I  
  • 100% Customer Interview / 100% Product Presentation 
  • Menu or Disclosure with Customer Acceptance/Rejection of Product(s)

Legal Compliance:

Understand and comply with all Federal Regulations including but not limited to:

  • Signed credit applications on all potential buyers regardless of sale
  • Privacy notices 
  • Risk Based Pricing Notice
  • Red Flag / OFAC
  • Adverse Action Letters
  • Safeguarding Customer Data 

Personal Accountability

  • Professional appearance
  • Reliable
  • Punctual
  • Teamwork

Physical Demands 

  • Sitting for long periods of time.
  • May require lifting up to 25 lbs.

Disclaimer:  This job description reflects managements assignment of essential functions; it does not prescribe or restrict the tasks that may be assigned.

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