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Subprime Auto Finance Jobs (NOW HIRING)

Maine Credit Union League

$81 - $99/hr

Pay: From $90,000.00 per year Credit Union & Downeast CU is a member-owned financial cooperative ... We are searching for an Subprime Auto Lending Underwriter. The chosen candidate will work in one of ...

CAR Financial

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Account/Collection Analyst

Lawrenceville, GA · On-site

$15 - $25/hr

The subprime auto finance industry is everchanging and CAR Financial is always evolving to meet those needs within our industry.

CAR Financial

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Territory Manager/Sales Representative

Kansas City, MO · On-site

$50K - $60K/yr (+ commission)

The subprime auto finance industry is everchanging and CAR Financial is always evolving to meet those needs within our industry.

CAR Financial

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Account/Collections Analyst

Las Vegas, NV · On-site

$17 - $19/hr

The subprime auto finance industry is everchanging and CAR Financial is always evolving to meet those needs within our industry.

CAR Financial

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Business Development Representative / Sales

Webster, NY · On-site

The subprime auto finance industry is everchanging and CAR Financial is always evolving to meet those needs within our industry.

Beck Automotive Group

Collector

Palatka, FL · On-site

$18 - $24/hr

Fairway Financial Collector - Subprime Auto Finance Full-Time or Part-Time Position Available About Us: We're not your average finance company, and this isn't your average collections job. Fairway ...

Beck Automotive Group

Collector

Palatka, FL · On-site

$18 - $24/hr

Fairway Financial Collector - Subprime Auto Finance Full-Time or Part-Time Position Available About Us: We're not your average finance company, and this isn't your average collections job. Fairway ...

Beck Automotive Group

Collector

Palatka, FL · On-site

$18 - $24/hr

Fairway Financial Collector - Subprime Auto Finance Full-Time or Part-Time Position Available About Us: We're not your average finance company, and this isn't your average collections job. Fairway ...

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Subprime Auto Finance information

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How much do subprime auto finance jobs pay per hour?

As of Sep 6, 2026, the average hourly pay for subprime auto finance in the United States is $18.06, according to ZipRecruiter salary data. Most workers in this role earn between $14.42 and $20.43 per hour, depending on experience, location, and employer.

What is a subprime auto finance?

A Subprime Auto Finance job involves assisting customers with less-than-perfect credit in securing auto loans. Professionals in this role work with dealerships and lenders to structure loan options that fit the borrower's financial situation. Responsibilities often include evaluating credit applications, negotiating loan terms, and ensuring compliance with lending regulations. The goal is to help individuals with low credit scores obtain vehicle financing while managing risk for the lender.

What does a typical day look like for someone working in subprime auto finance?

A typical day in Subprime Auto Finance involves reviewing loan applications, assessing applicants' credit profiles, and working closely with car dealerships to structure financing options for customers with less-than-perfect credit. You will communicate regularly with clients to explain loan terms, gather necessary documentation, and resolve any concerns that arise during the financing process. Collaboration with underwriting, collections, and compliance teams is common to ensure all loans meet company and regulatory standards. The work environment is often fast-paced, and success comes from effectively balancing risk management with providing accessible financing solutions.

What are the key skills and qualifications needed to thrive in subprime auto finance, and why are they important?

To thrive in Subprime Auto Finance, you need a solid understanding of credit analysis, risk assessment, and finance principles, often supported by a degree in finance, business, or a related field. Familiarity with loan origination systems, credit scoring software, and compliance regulations is typically required. Strong communication, negotiation, and customer service skills are essential for building trust with clients and collaborating with dealerships. These skills are crucial for effectively evaluating high-risk applicants, managing loan portfolios, and ensuring regulatory compliance in a fast-paced financial environment.

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What are the most commonly searched types of Subprime Auto Finance jobs?

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What states have the most Subprime Auto Finance jobs?

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Subprime Auto Finance jobs near you
Infographic showing various Subprime Auto Finance job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 73% Full Time, 22% Part Time, 3% Contract, and 1% Nights. Highlights an 97% Physical, 1% Hybrid, and 2% Remote job distribution, with an average salary of $37,572 per year, or $18.1 per hour.

Collections Specialist

Automotive Management Services

Charlotte, NC

$18 - $24.50/hr

Full-time

Posted 19 days ago

Job description

Crown Auto Group's affiliated finance company, AMS Financial is NOW HIRING – EXPERIENCED SUBPRIME AUTO LOAN ACCOUNT REPRESENTATIVE

AMS is seeking an experienced Subprime Auto Loan Account Representative to join our Collections Department. We are looking for a motivated, professional, and results-driven individual who understands the subprime auto finance industry and knows how to effectively communicate with customers regarding delinquent accounts.

Responsibilities:
• Manage an assigned portfolio of subprime auto loan accounts
• Contact customers regarding past-due payments and account issues
• Negotiate payment arrangements and obtain promises to pay
• Follow up consistently to ensure commitments are kept
• Work with customers to resolve delinquency and prevent further escalation
• Maintain accurate and detailed account notes
• Identify accounts requiring additional collection action
• Work closely with the Collections Department and management
• Meet individual and departmental collection goals
• Maintain professional and compliant communication with customers

Qualifications:
• Previous subprime auto finance or collections experience preferred
• Experience handling delinquent accounts and payment arrangements
• Strong verbal and written communication skills
• Excellent negotiation and problem-solving abilities
• Self-motivated, dependable, and results-oriented
• Ability to work in a fast-paced collections environment
• Strong attention to detail and organizational skills
• Knowledge of the repossession and recovery process is a plus

Ideal Candidate:
Someone who is comfortable speaking with customers, understands the importance of consistent follow-up, can handle difficult conversations professionally, and is driven to produce results.

Apply today to join the AMS Collections Team!


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