FinBe USA, formerly known as Crédito Real USA Finance, is a national lender specializing in auto financing solutions for a diverse range of credit profiles. Established in 2007 and headquartered in Fort Lauderdale, Florida, the company has built a reputation for partnering with both franchise and independent auto dealerships to provide accessible financing options. In November 2023, FinBe USA underwent a significant rebranding to align with its parent company, Bepensa, a prominent Mexican business conglomerate.
Company Overview
FinBe USA offers a variety of auto financing programs tailored to meet the needs of customers across the credit spectrum, including those with no Social Security Number or Individual Taxpayer Identification Number (ITIN), individuals currently in Chapter 7 or 13 Bankruptcy, and customers with limited or poor credit histories. The company also provides specialized financing for commercial landscaping equipment and mobility solutions.
Mission and Core Values
The company’s mission is encapsulated in the phrase: “A Healthier Credit Score Leads to a Wealthier Life.” FinBe USA is dedicated to assisting customers in improving their credit standing through education and exceptional customer service, thereby enhancing their purchasing power and reducing costs over time. The core values guiding FinBe USA include loyalty, respect, integrity, and excellence.
Rebranding and Ownership
In April 2023, Crédito Real USA Finance became part of Bepensa, a Mexican business group comprising over 40 companies across five business divisions. This acquisition led to the rebranding of Crédito Real USA Finance as FinBe USA in November 2023. The rebranding signifies a commitment to innovation and growth, with the support of Bepensa enhancing FinBe USA’s capacity to expand its market presence and service offerings.
Services and Programs
FinBe USA provides a range of services designed to accommodate various customer needs:
- Auto Financing Programs: Competitive financing options are available for customers with diverse credit situations, including those without Social Security Numbers or ITINs, individuals undergoing bankruptcy, and those with limited or adverse credit histories.
- Commercial Equipment Financing: Tailored financing solutions for commercial landscaping equipment, supporting businesses in acquiring essential tools for their operations.
- Mobility Program: Specialized financing options aimed at enhancing mobility, catering to customers with specific transportation needs.
Customer Support and Payment Options
FinBe USA emphasizes customer convenience by offering multiple payment methods:
- Online Recurring/Automatic Payments: Customers can set up automatic payments using a debit/ATM card or ACH from checking or savings accounts, ensuring timely payments without additional fees.
- Cash Payments: Accepted at PayNearMe retail locations such as CVS, Walmart, Walgreens, and 7-Eleven, providing flexibility for customers preferring in-person transactions.
- Mail Payments: Customers can send checks or money orders directly to FinBe USA’s mailing address.
Additional payment options include online one-time payments, automated phone payments, agent-assisted phone payments, and payments through services like MoneyGram, Western Union, PayPal, Venmo, Apple Pay, and Google Pay, each with varying processing fees.
Dealer Partnerships
FinBe USA collaborates with both franchise and independent dealerships, offering competitive financing programs that enable dealers to serve a broader customer base. The company’s flexible financing solutions are designed to assist customers who might not otherwise have the opportunity to obtain an auto loan, thereby expanding the market reach for dealerships.
Commitment to Community
With the backing of Bepensa, FinBe USA is poised to enhance its service offerings and expand its footprint in new markets, particularly focusing on serving the Hispanic community. The company’s dedication to providing flexible finance solutions and exceptional service remains steadfast, aiming to be an industry-leading lender to franchise and independent dealer partners.
Conclusion
FinBe USA evolution from Crédito Real USA Finance reflects its ongoing commitment to innovation, customer service, and community engagement. By offering inclusive financing programs and maintaining strong partnerships with dealerships, Fin Be USA continues to empower customers across the United States, helping them achieve better credit health and financial well-being.
FAQs about FinBe USA
What payment options does FinBe USA offer?
FinBe USA provides several payment methods to accommodate customer preferences:
- Recurring/Automatic Payments: Set up automatic monthly payments via debit/ATM card or ACH from checking or savings accounts. This method ensures timely payments without additional fees.
- Online One-Time Payments: Make individual payments online using various payment methods.
- Cash Payments: Accepted at PayNearMe retail locations, including CVS, Walmart, Walgreens, and 7-Eleven, offering flexibility for in-person transactions.
- Mail Payments: Send checks or money orders directly to FinBe USA’s mailing address.
- Phone Payments: Options include automated phone payments and agent-assisted payments, with varying processing fees.
Additional payment methods such as MoneyGram, Western Union, PayPal, Venmo, Apple Pay, and Google Pay are also available, each with specific processing fees.
Can I set up automatic payments with FinBe USA?
Yes, FinBe USA allows customers to establish automatic monthly payments. This can be arranged using a debit/ATM card or through ACH from checking or savings accounts. Automatic payments help ensure timely and accurate payments, contributing to improved credit scores over time.
What is the grace period for my loan payments?
The grace period for loan payments is determined by the state where your retail installment sales contract was executed. It’s important to note that the grace period only specifies the number of days before a late fee is assessed; your payment is still due on or before the due date. Failure to pay by the due date will result in the account being past due, and late charges may be applied. For specific information regarding your account, contact FinBe USA toll-free at 1 (877) 576-2265.
How can I manage my FinBe USA account online?
FinBe USA offers a Customer Portal that serves as a comprehensive platform for managing your account. Through the portal, you can make payments, update account information, adjust your payment due date, and view your account history. Access the Customer Portal at
Is it possible to change my payment due date?
Yes, FinBe USA allows customers to request a change to their payment due date. To qualify, your account must be current, the first payment must have been made, and proof of full-coverage insurance must be provided. For assistance with changing your due date, contact FinBe USA’s customer service.
When will I receive my title after paying off my loan?
The timing for receiving your vehicle title after loan payoff depends on state laws and the payment method used. FinBe USA will mail paper titles to the address on file once the loan is satisfied. For specific details regarding your situation, it’s advisable to contact FinBe USA’s customer service.