About Car Capital Technologies
Transforming Auto Financing Since 2019
Pioneering technology-first solutions for subprime auto financing and empowering dealerships everywhere.
Our Story: From Fintech Vision to Market Leader
Founded in 2019, Car Capital Technologies emerged from a simple but powerful insight: the auto financing industry was built for the largest players, leaving small and mid-sized dealerships—and millions of credit-challenged buyers—at a disadvantage. Our founders, a dedicated team of fintech and automotive veterans, set out to level the playing field with advanced technology and a relentless focus on customer experience.
What began as a fintech startup quickly evolved. By partnering with independent dealerships across the country, we realized we could do more than just provide software—we could open doors for buyers who needed a second chance. Today, Car Capital stands at the intersection of technology, accessibility, and trust, connecting opportunity with possibility for thousands of drivers and dealers nationwide.
Our Technology-First Approach
Leveraging advanced algorithms and data science, Car Capital revolutionizes subprime auto financing
Smart Matching
Proprietary algorithms connect buyers with the right dealership from our 500+ partner network
Real-Time Decisions
Instant prequalification decisions using comprehensive credit data—no more waiting or uncertainty
Risk Intelligence
Transparent risk analysis ensures fair and competitive financing for every customer
Data Analytics
Continuous improvement through data-driven insights, optimizing outcomes for both buyers and dealers
White-Glove Concierge Service
Beyond our technology, we deliver a personalized experience through our Car Capital Concierges. These dedicated professionals are your advocates—guiding you through every step of the process with expertise and empathy.
From your first application to loan approval, our Concierges provide personalized guidance tailored to your unique needs, clear explanations of your financing options, and support with documentation and dealership coordination.
Our white-glove approach ensures you feel confident, informed, and supported—every mile of the journey.
Our Concierges Provide:
- • Personalized guidance tailored to your unique needs
- • Clear, jargon-free explanations of your financing options
- • Support with documentation and dealership coordination
- • Ongoing assistance even after you drive away
Our Core Values
The principles that drive our mission to expand opportunity for all
Financial Inclusion
We believe that everyone deserves access to reliable transportation, regardless of credit history. Our mission is to expand opportunity for hardworking individuals and families.
Technological Innovation
We harness the power of advanced analytics and automation to create seamless, efficient experiences for buyers, dealers, and communities.
Transparent Partnerships
We operate with integrity, providing clear information and honest guidance so you can make confident decisions at every step.