What is Exeter Finance? What Does Exeter Finance Do?

Exeter Finance is a U.S.-based auto finance company that specializes in subprime auto loans, working with both franchised and independent dealers across the country. 

Its mission is to help more people—especially those with less-than-perfect credit—become vehicle owners through accessible financing options.

From first-time car buyers to those rebuilding their credit, Exeter offers tailored lending services backed by a network of trusted dealerships.

Key Takeaways

• Exeter Finance provides auto loans to customers who may not qualify through traditional lenders.
• It partners with dealers nationwide to deliver fast approvals and funding—often within 1–3 business days.
• Exeter supports over one million car buyers and offers 24/7 account management through its MyAccount portal.

What Does Exeter Finance Do?

Exeter Finance helps people secure car loans, particularly those who are underserved by prime lenders due to credit challenges. The company works behind the scenes with dealerships to approve and fund vehicle purchases.

Services for Customers:

• Subprime auto loans
• Online account management via the MyAccount portal
• Payment flexibility and support during financial hardship
• Bilingual support options via third-party vendors

Services for Dealers:

• Fast credit decisions in seconds
• Funding within 1–3 days
• Dedicated buyers and funders
• Incentive-based programs like Exeter’s Elite Program

Whether you're walking into a dealership or looking to improve your credit score through consistent car payments, Exeter Finance acts as the financial bridge between buyers and auto dealers.

Read more: What is Aqua Finance? Everything You Need to Know

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Why Exeter Finance Matters

As a subprime lender, Exeter fills an essential role in the auto financing ecosystem. By taking on higher-risk borrowers, it helps more Americans get on the road and rebuild financial trust.

Exeter also emphasizes:

• Customer-first service
• Community involvement
• Diversity and inclusion in hiring
• Responsible lending practices

Its loan servicing and customer support operations are built to be both accessible and secure, helping ensure positive long-term outcomes for borrowers.

FAQs

Is Exeter Finance a bank?

No, Exeter Finance is not a bank. It is a consumer finance company focused on auto lending, especially for subprime borrowers.

Can I apply for a car loan directly through Exeter?

No. Exeter Finance works through authorized dealerships. You’ll apply for financing at the dealership, and they may use Exeter as a lending partner.

How do I make payments or access my loan?

You can log into the MyAccount portal on the Exeter website to manage payments, view statements, or update your information 24/7.