Build your credit and a brighter future with us.

Paying the most principal and the least interest every month before or on your due date is the best way to pay your loan. If you want to pay your loan off faster, pay early and pay extra principal. There are no pre-payment penalties with Local Finance and you can always pay off your loan in full, refinance with another lender, or trade your car for another car at any time. At this time, we don’t refinance loans or offer loans directly to customers. You will need to visit a PARTICIPATING dealer to get a new car loan with Local. We are more than happy to assist you with options when your credit has improved.

If you've been in an accident or have experienced a total loss, click here to let us know! We will help you communicate with your claim and your insurance company to resolve your situation as quickly as possible.

Unfortunately, there is no such thing as a ‘grace period.’ When you don’t pay before or on your due date, you will pay more interest and less principal. Ten days past your due date, you will be assessed up to $15 of late fees in addition to the ten extra days of interest. It is important to pay on time or early so you can avoid penalties.

If you prefer to pay online at our website, please visit our online portal. You can also pay by phone at (305) 650-3442 via electronic funds transfer (EFT) or debit card (debit card phone payments incur a $5 processing fee). You may also mail a personal check, bank check or money order with your account number on it to:

Local Finance, LLC

20451 NW 2nd Ave

Suite 200

Miami, FL 33169

OR PAY DOWNLOADING OUR APP ON YOUR APPLE OR ANDROID DEVICE. (SET LINK FOR ANDROID AND APPLE)

We do not accept any payments in cash.
Feel free to call us with any questions or when situations about your payment come up. We’re here to help you figure out how to best manage your loan with Local Finance. Our office hours are Monday to Friday from 9 AM to 5:30 PM and you will be able to reach us by chat in the Local Finance App or by texting your account manager during those hours as well. We look forward to building your credit with you!

We are available to answer any questions regarding your payment and how best to manage it. Call us Monday through Friday from 9 a.m. to 5:30 p.m. We are also available by chat in the Local Finance App. An additional option is to text your account manager during our working hours. We look forward to building your credit and a brighter future for you.

Local Finance, LLC is an indirect lender buying from Franchise Dealerships in the Florida Market. We fund thin file and non-prime credit including businesses, all types of visas, applications without Social Security Numbers, zero beacon score apps and first-time buyers. We review Equifax credit reports along with multiple alternative data sources to score our deals.

Applications may be submitted electronically via Dealertrack or Route One. We review all apps manually and buyers are on call from 10 a.m. to 7 p.m. Monday through Saturday to make decisions and review deals. We generally finance vehicles up to 10 model years old and 120,000 miles without frame or structural damage or airbag deployments flagged on CarFax. Extended terms up to 72 months are available for late model cars with less than 50,000 miles and we can advance up to 140% of NADA clean trade value including back end. Front end advances are generally in the 115-120% range. All cancellable back end products are eligible to contract with Local Finance.

Funding is by ACH and deals book the same day all stips are received, including a GPS tracker installation organized by Local Finance directly with the buyer(s). To begin working with Local Finance, please download the attached application and dealer agreement and return it following the instructions listed. After approval, Local Finance will be an available funding source in Dealertrack or Route One after 24 – 48 hours. Call us directly with any questions at 305-650-3442 and press 3, we look forward to working with you soon.

Local Finance is a family owned and operated full-service auto finance company that has specialized in providing financing options for consumers and businesses with credit challenges since 2001.