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Established in 1996, United Auto Credit Corporation purchases nonprime retail automobile sales contracts. It is organized into a network of full-service branch office that markets products to franchise and independent automobile dealers whose customers have limited and impaired credit histories. The company maintains a network of more than 130 branches located in over 30 U.S. states and serves nearly 7,500 dealers. United Auto Credit Corporation s business strategy includes opening branch offices close to dealers and purchasing consumers and provides consistent credit decisions, same-day funds and frequent management contacts. It has been recognized as one of the Top Public Companies in Orange County in California by Orange County Business Journal. The company is a wholly owned subsidiary of United PanAm Financial Corporation, which is a specialty finance company that is engaged in nonprime automobile finance that includes the purchase, warehousing and securitization of automobile installment sales contracts originated by independent and franchised dealers.

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