PO Box 735 Warren, MI 48090
(248) 392-4233

Simple & Secure Payment Process

Finance Focus
Road to Success

We listen to what you want for your future, then together we create a plan to help you get there. Need a Second Chance? We have auto loans available for all credit situations.


Apply Now

WE SERVICE THE STATE OF MICHIGAN ONLY
AND ADHERE TO ALL LENDING LAWS IN THE STATE OF MICHIGAN.

Finance Your Next Vehicle At

Direct Lending Auto Finance

Direct Lending Auto Finance was founded on the belief that good people have credit issues beyond their control and deserve a second chance. We offer many financing options for those who may not qualify for a conventional bank loan due to late payments, divorce, foreclosure or repossession.

We strive to make buying or leasing a vehicle a pleasant and rewarding experience for you.


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Trusted Company

Start Your Credit Approval

Getting approved for financing can be simple! We are an indirect finance company. Dealers across the country use our program to help consumers buy cars on credit. We can help you find a dealer near you.

Frequently Asked Questions

  • ‌
    Can I make my payment online?

    Yes. Pay Online Here

  • ‌
    What are my payment options?

    Telephone Payment - $4.95

    You can make your payments over the phone by calling us at (248) 392-4233 Monday to Friday from 8:00 AM - 7:00 PM and Saturday from 9:00 AM - 5:00 PM.

    Pay online - $4.95

    Walk-in option: MoneyGram $9.95
    You can visit any MoneyGram location for ex: nearby 7- Eleven store, Walmart, store, CVS Pharmacy,etc... to make your payment or you can download the MoneyGram app straight to your smartphone to make your payment. All you need is your account number and our MoneyGram code (5882) to make your payment. MoneyGram fees may vary, thus, will be applied accordingly. If you are unsure about your account number, please contact us at (248) 392-4233.

    Mail Payments
    You can send your payment via check or money order to our address. Please note, we are not liable for lost payments in the mail or delayed payments that may result in late payments and/or late fees.

    PO Box 735
    Warren, MI 48090

  • ‌
    My payment due dates do not match up to the dates I get paid, what can I do?

    Please contact Direct Lending Auto Finance at (248) 392-4233 and speak to a customer service representative who may assist you in discussing different options.

  • ‌
    When is my payment considered late?

    Your payment is considered late 1 day past the original due date and thereon after.

  • ‌
    What is my late fee and when does it occur?

    Your late fee is unique based on your contract. If all or any portion of a payment is not paid within 10 days of its due date, you will be charged a late charge greater than 5% of the unpaid amount of the payment due or $15.00.

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Step 1: Provide Us Some Information

Fill out a quick form with a few details about your vehicle preferences, budget, and location. It only takes a couple of minutes to get started.

Step 2: Get Connected to Local Dealers

We’ll connect you with trusted local dealerships that have vehicles matching your needs—and financing options that fit your budget.

Step 3: Visit, Decide, and Drive

Head to your matched dealerships, take a test drive, and choose the car that’s right for you. Financing is already lined up to make the process smooth and stress-free.