United Auto Credit is a California based non-prime automotive lender serving dealers and their customers across the United States since 1996.

Who Are We?

Created with the car buying public in mind, United Auto Credit has become a leader in the automotive finance industry. When other’s say “no”, United Auto Credit says “yes” because we believe everyone deserves the chance at vehicle ownership – regardless of their credit history.

Combining cutting edge technology, hard work and old-fashioned common sense, United Auto Credit has developed programs – from First Time Buyers to our Bankruptcy program – that enable us to approve customers across the credit spectrum. In short, what we call our Common Sense program serves as the foundation of our corporate vision today and into the future.

— Provide Excellent service to Dealers and Customers through common sense lending.

Our Mission

Providing the best opportunities for our dealers and customers to achieve financial success through our hard work, innovation, and great service.

Our Vision

At United Auto Credit, we strive to be the company of choice for our employees, customers, and dealers through our drive to make a difference.

Core Values

We take responsibility for our actions and results and leave no room for blame.

We say what we mean and do what we say, even when no one is looking.

We consistently provide the best results, service, and collaboration to create the best experience.

Service Excellence
We give our best, provide world class service, and strive to achieve excellence each day.

We are committed to our well-being by celebrating our success and each other every day.


Driven to make a difference is not just a tagline or catchphrase, it’s our everyday mantra.

We believe in making a difference at work and outside of work, with our dealers and with each other. Most of all we believe in making a difference within our company and our community.

UACCares was created because at United Auto Credit®, we believe it’s important to give back. UACCares brings our team closer together with one goal in mind, giving back to the community. UACCares encourages team members and their families to volunteer and make a difference with various charitable causes. It’s an honor for us to be able to support the communities where we live and work to become even stronger and unified – One Team One Vision.

We are United Auto Credit®, we are UACCares and we are driven to make a difference.


Executives & Officers

Jim has served as United Auto Credit’s President & CEO since 2008. In his capacity, Jim oversees all aspects of United Auto Credit’s strategic direction and day-to-day operations. Brought aboard to manage United Auto Credit’s reorganization, Jim is credited with building a team of exceptional individuals whose efforts in executing a successful turn-around have positioned United Auto Credit as one of the country’s leading non-prime automotive finance companies.

—“At United Auto Credit, we have an unwavering commitment to the success of our dealer partners and their customers. We take great pride in bringing a very human element to the credit decision process; from our Area Managers, to our Buyers, to our Customer Support teams, everyone is challenged with ensuring that success.”

Leading to over 25 years of proven industry experience, Jim began his career in the automotive business as an accountant with the automotive dealer accounting firm, Kobayashi & Company. In 1988 he joined the Los Angeles based Hankey Automotive Group and spent 5 years in its retail automotive group with positions in Retail, Finance and Business Operations.

Ravi has been an executive with United Auto Credit since August 2008. His most valuable experience lies in obtaining and securing access to capital. Ravi has more than 15 years of experience in the auto finance industry working for Financial Security Assurance (FSA) and now United Auto Credit.

Ravi has served as United Auto Credit Executive Vice President and Chief Financial Officer since September 2009. From August 2008 to September 2009, he served as the company’s Executive Vice President and Chief Credit and Risk Officer.

—“We are doing things that will make a difference by using proven, successful business practices. These practices ensure that United Auto Credit will never experience liquidity issues and will provide the best programs for contracted dealers.”

Ravi holds a Bachelor of Science in Business Administration from the State University of New York at Buffalo with a Concentration in Accounting.

Amy joined United Auto Credit as Corporate Counsel in March 2017. Utilizing her prior experience advising auto finance companies, Amy assists employees across the company in ensuring relationships with dealers and customers – the heart of the company’s business – remain mutually beneficial. Prior to joining United Auto Credit, Amy practiced as the Compliance Officer and In-House Counsel for an auto finance company for over 4 years. She brings general and business litigation experience, as well as general company representation from her time in private practice.

Lyndon has served as United Auto Credit’s COO since January 2023. He is a passionate developer of talent committed to helping employees, customers and dealer partners create better futures.

Prior to joining UACC, Lyndon served as the General Manager of Yamaha Financial Services’ captive retail lending & insurance businesses. Prior to that, he held senior management positions at Synchrony Financial, Wells Fargo Dealer Services, and HSBC Auto Finance. Lyndon holds bachelor’s degrees in applied mathematics and management science from the University of California at San Diego; and he holds an MBA from the Kellogg School of Management at Northwestern University.

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