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Subprime Auto Finance Jobs (NOW HIRING)

Premier Auto Credit

Outside Salesperson

Glendale, CA · On-site

$45K - $60K/yr

Subprime experience is preferred. * Auto Lending Underwriting. * Auto finance, external sales roles, Independent/Franchise dealership experience preferred but not mandatory. * Previous experience in ...

Lobel Financial

Area Sales Manager - Tempe, AZ

Tempe, AZ · On-site

$90K - $120K/yr

Experience in subprime or full-spectrum auto finance. * Existing knowledge of dealership operations, finance and insurance processes, or lender-dealer sales support. * Bilingual communication skills ...

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How much do subprime auto finance jobs pay per hour?

As of Jun 15, 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 job?

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 are the key skills and qualifications needed to thrive in the Subprime Auto Finance position, 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.

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.

More about Subprime Auto Finance jobs
What cities are hiring for Subprime Auto Finance jobs? Cities with the most Subprime Auto Finance job openings:
What are the most commonly searched types of Subprime Auto Finance jobs? The most popular types of Subprime Auto Finance jobs are:
What states have the most Subprime Auto Finance jobs? States with the most job openings for Subprime Auto Finance jobs include:
What job categories do people searching Subprime Auto Finance jobs look for? The top searched job categories for Subprime Auto Finance jobs are:
Subprime Auto Finance jobs near you
Infographic showing various Subprime Auto Finance job openings in the United States as of June 2026, with employment types broken down into 100% Full Time. Highlights an 92% In-person, and 8% Remote job distribution, with an average salary of $37,572 per year, or $18.1 per hour.

Relationship Manager | Auto Finance | New Jersey (Field Sales, Territory Ownership)

Southern Auto Finance Company, LLC

Newark, NJ

$150K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 2 days ago

Job description

Relationship Manager | Auto Finance | New Jersey (Field Sales, Territory Ownership)
SAFCO is hiring the Relationship Manager who will own and grow our established New Jersey market.
For 35 years, Southern Auto Finance Company, LLC (SAFCO) has helped dealers say yes to customers other lenders turn away. We finance the full 620-and-below credit spectrum, from consumers building credit for the first time to those coming back from a setback, using proprietary, alternative-data underwriting that sees creditworthiness where credit scores alone don’t. New Jersey is an active, producing territory for us, and we need a proven field rep to take it to the next level.
This isn't a cold start. You'll inherit signed dealer relationships and an active pipeline, with real upside.
The Opportunity
You'll own the New Jersey territory end to end: growing funded volume with existing dealer partners, reactivating dormant accounts, and signing new ones. You'll have a dedicated Account Manager working your pipeline with you, a Regional Manager who coaches rather than micromanages, and a program dealers want: Competitive approvals, next-day funding through SAFCO Assist with eContracting, and a "Lend Us Your Customer" model that sends repeat buyers back to your dealers.
**Compensation: $50,000 base salary plus uncapped monthly commission tied to funded volume. Top RMs earn $150,000+ all-in. Car allowance and expense reimbursement included. **
What You'll Do
  • Own a defined territory of franchise and qualified independent dealers, averaging 8-10 in-person dealer visits per day with about 50% travel within the New Jersey metro and surrounding markets.
  • Grow funded volume with active dealer partners through regular visits, real-time deal coaching, and fast follow-up.
  • Reactivate dormant accounts with a targeted plan for each, and prospect, present, and sign new dealer partners.
  • Coach dealer F amp;I teams on structuring deals that get bought, and demo SAFCO Assist live to show them the fast lane to funding.
  • Manage your pipeline in Salesforce in real time, partnering with your inside Account Manager to rehash decisions and capture every fundable deal.
  • Read your market: track competitor programs, dealer trends, and volume data, and bring that intelligence back to leadership.
What You Bring
  • Proven track record in indirect auto finance territory sales. You've carried a dealer book and hit funded-volume targets. (Subprime/non-prime experience is a strong plus.)
  • Current residence in the New Jersey metro area. **This is a field role; local candidates only. **
  • Strong presentation, negotiation, and relationship-building skills, with the range to work in a room of F amp;I managers, GMs, and dealer principals alike.
  • Disciplined pipeline management; fluency with Salesforce (or a comparable CRM) and MS Office.
  • Self-directed and accountable. You run your territory like it's your business.
  • Bilingual English/Spanish is a plus, not a requirement.
  • Bachelor's degree or equivalent relevant experience.
What You Get
  • $50,000 base + uncapped monthly commission
  • Mileage and expense reimbursement
  • 401(k) with company match
  • Major medical, dental, and vision insurance
  • Life and disability coverage
  • Paid time off and holidays
  • A 35-year-old, well-capitalized company in active growth mode, with real earning potential for RMs who deliver.
SAFCO) is an Equal Opportunity Employer and a drug-free workplace.
Explore Life at SAFCO on LinkedIn. Follow our team, culture, and career opportunities.
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