Services

Sell Your Charged-Off Auto Loan Portfolio in Kentucky and Indiana

At Service Financial Company, we specialize in buying charged-off auto loan portfolios from Buy Here Pay Here (BHPH) dealers and auto finance businesses across Kentucky and Indiana. Our services are designed to help you recapitalise quickly and cleanly by converting non-performing accounts into immediate cash.

We’re not a collections agency — we’re a trusted portfolio buyer with industry expertise, fast turnaround, and a dealer-friendly approach.

Free Portfolio Consultation

    Who We Buy From

    We purchase portfolios from:

    BHPH dealers (franchise and independent) Icon

    BHPH dealers (franchise and independent)

    Used car dealerships with in-house financing

    Used car dealerships with in-house financing

    Auto lenders and finance companies Icon

    Auto lenders and finance companies

    Note holders managing deficiency balances Icon

    Note holders managing deficiency balances

    If you have charged-off auto loans in Louisville, Lexington, Indianapolis, or surrounding areas, we’re ready to make you an offer.

    Types of Auto Loan Portfolios
    We Purchase

    We buy:

    • Charged-off auto loan accounts

    • Deficiency balances following repossession or charge-off

    • Fresher accounts (not out-of-statute and with clear documentation)

    We do not buy:

    • Out-of-statute accounts
    • Accounts lacking basic documentation or payment history

    Typical Portfolio Criteria:

    • Accounts typically less than 36 months since date of default

    • Documentation must include: account balances, contracts, and payment history
    Types of Auto Loan Portfolios Service Financial Company Purchase

    How to Sell Your Auto Loan Portfolio to
    Service Financial Company

    Selling your auto loan portfolio to Service Financial Company is simple and straightforward:

    Sign a Mutual NDA Icon

    Sign a Mutual NDA

    Your data is protected from the start.

    Submit Portfolio Info Icon

    Submit Portfolio Info

    Send over the basics (balance, age, geography).

    Get a Fast Offer Icon

    Get a Fast Offer

    We typically respond within a few business days.

    Close & Get Paid Icon

    Close & Get Paid

    We handle documentation and fund promptly.

    Most deals are completed within one week of portfolio submission.

    Example of a Successful Auto Loan Portfolio Sale in Kentucky

    A dealership submitted a portfolio of 241 charged-off auto loans totaling $2,242,000. Service Financial Company evaluated the accounts, made an offer, and funded the deal in a quick turnaround time. The dealership used the cash to replenish inventory and expand their financing program.

    FAQs About Selling Your Auto Loan Portfolio

    FAQs About Selling Your Auto Loan Portfolio

    Basic account-level details.

    Yes, on a case-by-case basis. Include details with your submission.

    Absolutely. We welcome ongoing relationships and can discuss monthly or quarterly purchase agreements.

    All portfolio submissions are protected by NDA and handled with strict data controls.

    Why Dealers Choose
    Service Financial Company

    Quick Capital Icon

    Quick Capital

    Speed matters. We move fast so you can stay focused on sales.

    Local Market Knowledge Icon

    Local Market Knowledge

    Deep understanding of Kentucky and Indiana markets.

    Transparent Process Icon

    Transparent Process

    No hidden terms, no surprises.

    Post-Sale Support Icon

    Post-Sale Support

    We help manage consumer confusion if calls get misdirected.

    Relationship-Driven Icon

    Relationship-Driven

    We aim to be your long-term partner, not a one-time buyer.

    Request Your Free Portfolio Evaluation Today

    If you’re ready to get a valuation or want to learn more about how we can help, contact us today.

    Service Financial Company — Your local partner for auto loan portfolio recovery.