First Investors Financial Services, Inc. (FIFS) is an indirect subprime auto finance company with headquarters in Houston, Texas. FIFS has been in business for over 31 years serving the needs of dealers and consumers with challenged credit histories. Executive functions, centralized loan decisions and funding are handled from our Houston offices. Loan servicing and other corporate duties are handled from our Atlanta, GA corporate offices. The company currently has over $2 billion in portfolio assets.
Why Join the First Investors Dealer Network?
First Investors specializes in indirect lending to franchise new vehicle dealerships. We excel in the following areas:
  • Bankruptcy (Chapter 7 & 13) with high approval rates
    • Industry leading approval rates for Open Bankruptcies
    • Industry leading approval rates for Prior Bankruptcies
  • Used Vehicle market of franchised dealers, with FICO scores in the 510 to 640 credit spectrum
  • Dedicated Loan analysts trained to underwrite the bankruptcy client
  • Funding department trained to finalize all bankruptcy contract packages and expedite dealer proceeds
Application Process
Complete the Dealer Information Form and the ACH Form. Those forms can be found by clicking on the green ‘Join Our Network’ button below. They are writeable PDF forms that can be emailed to or call 1-866-889-6502 for assistance.
You will receive a follow up email and phone call from a FIFS representative upon completion and submission of the Dealer Information and ACH forms. It will identify items needed to complete your dealer enrollment package. Please have the following documents available to submit as a part of your dealer enrollment package:
  1. Copy of the front and back of your GAP policy offered to consumers.
  2. Copy of the front and back of your VSC policy offered to consumers.
  3. Pre-filled retail installment agreement – LAW contract. (consumer info deleted).
  4. Voided check or Bank Letter with routing and account numbers for funding.
Once your enrollment package is completed, you will receive an a email with the completed electronic dealer agreement which allows digital signatures. Simply review, insert authorized signatures and submit.
Once submitted your agreement will be reviewed and counter signed with a FIFS authorized signature. You will receive a completed copy of the agreement with both entity signatures.
Your dealership will be activated and a FIFS Dealer Relationship Manager will contact you to review our Programs and get you started!

Getting started today is very simple! Just complete the Dealer Information Sheet and ACH Forms above and email them to If you prefer, you may contact a First Investors representative at 1-866-889-6502 to assist you in completion of your forms and answer any questions. We look forward to having you in our network and building a successful relationship with your dealership.