JFC is licensed by the New York State and Michigan Banking Departments. We are a finance company that specializes in the automobile used car business. JFC was started by independent used car dealers, so we understand the needs and challenges faced by all of the independent used car dealers in the New York Area.

  • No full coverage required for loans up to $5,000
  • We accepts vehicles from the year 2000 and newer
  • We accepts applicants with non-provable income
  • We accepts credit applications with any score
  • We finance Livery and Commercial vehicles

Things You Should Know:

  • Rates may deviate, even if an applicant fits in a credit score slot, due to: type of insurance coverage, year of vehicle, loan advance in relation to book value and overall stability of applicant.
  • We try to keep the term as short as possible. Most loans are between 12 to 36 months, maximum term 48 months for years 2006 and newer.
  • All loans have no recourse to dealer.
  • Consumer loans are reported to Experian Credit Agency.


  • We Finance Commercial and Livery Vehicles
  • TMU and Salvage Vehicles
  • Older Vehicles
  • No Proof of Income
  • Equity Deals
  • Credit Problems
  • No Credit
  • 1st Time Buyers
  • No Full-Coverage Insurance Required
  • No Binders