Fast, Fair, and Local

Sell Your Charged-Off Auto Loans

We’re not just another debt buyer — we’re your local partner who knows the market and gets deals done.

Sell Your Charged-Off Auto Loans

Fast, Fair, and Local

Sell Your Charged-Off
Auto Loans

We’re not just another debt buyer — we’re your local partner who
knows the market and gets deals done.

Sell Your Charged-Off Auto Loans
About Service Financial Company

About

Service Financial Company

At Service Financial Company, we help Buy Here Pay Here (BHPH) dealers and auto lenders across Kentucky and Indiana turn charged-off auto loan portfolios into cash quickly. Whether you’re a small independent lot or a franchise dealership, our team offers a streamlined, confidential process that puts money back in your hands faster.

Who We Serve

We specialize in working with :

Buy Here Pay Here (BHPH)

Buy Here Pay Here (BHPH)

dealerships

Franchise Auto dealers

Franchise Auto dealers

with in-house financing programs

Service Financial Company Car Lots

Independent Car lots

looking to offload non-performing notes

Portfolio Holders

Portfolio Holders

with auto loan deficiency balances

If you hold distressed auto loan accounts in Kentucky or Indiana, we’re ready to make you an offer.

Why Dealers Choose
Service Financial Company

Fast Cash in Your Pocket

Fast Cash in Your Pocket

Most deals close within one week.

Local Market Expertise

Local Market
Expertise

We know the Kentucky and Indiana auto scene.

Auto Loan Specialists

Auto Loan
Specialists

We focus only on auto loan portfolios.

Post-Sale Help

Post-Sale
Help

We handle consumer calls so you don’t have to.

Simple, Confidential Process

Simple, Confidential
Process

Respect for your time and business.

How It Works

4 Simple Steps

Sign NDA

Sign NDA

Protect your data from the start.

Submit Portfolio

Submit Portfolio

Quick and easy.

Get a Fair Offer by Service Financial Company

Get a Fair Offer

Usually within a few days.

Get Paid by Service Financial Company

Get Paid

Fast closing, clean paperwork.

“Service Financial made it easy to sell my accounts. I had cash in hand within days. Would absolutely work with them again.”

—  Kentucky BHPH Dealer

“Service Financial made it easy to sell my accounts. I had cash in hand within days. Would absolutely work with them again.”

—  Kentucky BHPH Dealer

Service Financial Company is based in Louisville, KY

Based In The South.
Focused On You.

Service Financial Company is based in Louisville, KY and proudly serves auto finance businesses throughout Kentucky and Indiana — including Louisville, Lexington, Bowling Green, Indianapolis, Evansville, and surrounding areas.

We know your challenges. We’ve been in your shoes. That’s why we move fast and keep it simple.

What We Buy
(And What We Don’t)

We buy:

  • Charged-off auto loan portfolios
  • Deficiency balances with collection potential
  • Younger accounts with actionable balances

We typically do not buy:

  • Out-of-statute accounts
  • Accounts with incomplete documentation
What We Buy (And What We Don’t)

What We Buy
(and What We Don’t)

Service Financial Company is based in Louisville, KY and proudly serves auto finance businesses throughout Kentucky and Indiana — including Lexington, Bowling Green, Indianapolis, Evansville, and surrounding areas.

We know your challenges. We’ve been in your shoes. That’s why we move fast and keep it simple.

What We Buy (And What We Don’t)

We purchase:

  • Charged-off auto loan portfolios
  • Deficiency balances with collection potential
  • Younger accounts with actionable balances

We typically do not buy:

  • Out-of-statute accounts
  • Non-auto consumer debt
  • Accounts with incomplete documentation
Frequently Asked Questions

Frequently Asked Questions
(FAQ)

Just contact us, sign an NDA, and submit your accounts for evaluation. We’ll provide a fair offer within a few business days.

We buy charged-off auto loans, deficiency balances, and younger accounts from BHPH dealers and auto lenders across Kentucky and Indiana.

Most deals are funded within one week of receiving portfolio data. Our process is fast, secure, and built to respect your time.

Yes, we work with franchise BHPH dealers, independent lots, and bulk portfolio holders who need a reliable, local buyer.

No — we provide post-sale support to manage any consumer inquiries that may come your way.

Still have questions? Reach out to us here. We’re happy to walk you through the process.

Service Financial Company — Your trusted partner in auto loan portfolio recovery.

Ready to Turn Accounts into Cash?

Let’s have a confidential conversation about your portfolio. Whether you’re clearing space on your books or preparing for a bigger move, we’re ready to help.

Contact Us Today to start the process or Learn More About Our Services.

Now actively buying portfolios!