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Crédito Real Finance

Dealer FAQ´s

Know more about us


Is Crédito Real USA Finance signing up new dealers?

Yes. Crédito Real USA Finance is signing up both Franchise and Independent dealers. Please click here to learn more about signing up to become an Credito Real USA Finance Dealer Partner and obtain our dealer application and agreement.

What is the sign-up process and how long does it take?

Franchise Dealers: It takes approximately 24 hours to set up once a completed dealer application is received as listed on the dealer application checklist.


Independent Dealers: It takes approximately 48 hours to sign up when all the documentation requested on the dealer application checklist is received. Please note that references are checked and as a result, some applications may take longer to process if references cannot be reached.

How can I obtain a payoff for one of Crédito Real USA Finance customers?

Please call our Account Services Department toll free at (877) 576-2265 or email us at CustomerService@crealusa.com to obtain a 15-day payoff quote.

What states does Crédito Real USA Finance do business in?

Crédito Real USA Finance is currently doing business in 27 states. Please click here to see the markets we currently serve.

Is Crédito Real USA Finance part of the Dealertrack or Route One network?

Yes. Crédito Real USA Finance currently works with Dealertrack and Route One to accept applications from Franchise and Independent Dealers. Please be advised that dealers must become approved as a Dealer Partner in order to be added to our list of dealers through DealerTrack or Route One.

What is the best way to contact someone at Crédito Real USA Finance?

Crédito Real USA Finance has several departments. Please click here to view our contact information according to our departments.

Underwriting - Funding

What are your underwriting hours?

Monday through Friday, from 9:00 a.m. to
8:00 p.m. EST and Saturdays from 9:00 a.m. to 7:00 pm. EST.

What documentation is needed to submit a deal to Crédito Real USA Finance and how long does it take for an approval?

Crédito Real USA Finance accepts credit applications via DealerTrack and RouteOne. We will review the applications as soon as possible and generally takes just a few minutes. If you are waiting more than 30 minutes, please call us!

How do I know if I am submitting the right documentation when sending in a deal for funding?

Please click here to see Crédito Real USA Finance Funding Checklist and Guidelines when submitting a deal for funding.

Is Crédito Real USA Finance credit score driven?

Crédito Real USA Finance does not have a minimum credit score.

What’s the average time it takes to fund a deal with Crédito Real USA Finance?

A complete package should fund on average within 3 business days and some the same day!

Who can I contact for training on your Underwriting and Funding process?

In addition to your Account Manager, our team stands ready to help and is available if you would like to learn more details about any aspect of our Funding Credit / Underwriting process.
Please contact your Account Manager toll free at (877) 475-5959 to schedule a training session with one of our Funders and/or one of our Senior Buyers.

Where can I find your program guidelines?

Please click here to obtain our program guidelines according to your state.

Better Credit is a Better Life