AFCDealer.com

» FAQs

Frequently Asked Questions

Q.	How do I apply to become an AFC dealer?

A.	You may apply online by clicking here or on the APPLY NOW buttons throughout our site. You may also apply in person at any AFC branch or service auction. Additionally, you may call one of our AFC branch locations to request an application. To locate the nearest branch, click here.

Q.	What are the qualifications required to open an AFC Line of Credit?

A.	Credit lines up to $250k US, $300k Canadian. Licensed dealer in good standing. Company checking account. Driver's license or any government issued photo identification card. Proof of full coverage insurance, Liability is acceptable if you use our VIP insurance plan. All references and credit checks personally and business check out. Credit lines over $250k, US $300k Canadian we also require. Last two years tax returns on business and owner(s) on the application. Current income statement and balance sheet. Prior end of year income statement and balance sheet for business. Current personal financial statement. AFC's primary business is floorplanning independent dealers. We will strive to approve credit for as many applicants as possible. There may be other factors involved related to the dealer's business that come into consideration in the credit application. These requirements are subject to change. Other factors may be considered in the underwriting process.

Q.	Can I make payments on my AFC floorplanned vehicles online?

A.	Yes! Paying online is as easy as 1-2-3-click using Xpress Pay. The enrollment process is effective immediately and this is a free service. Make payments and view payment history information from your PC anytime day or night on a secured site using the Xpress Pay service.

Q.	Is my Xpress Pay payment information secure?

A.	Yes. We've made securing your data and communication a top priority. HTTPS is used to ensure a secured connection between your computer and AFC, and a digital certificate provided by Equifax assures that your data is shielded while in transit.

Q.	Where can I use my line of credit?

A.	You may use your line of credit at over 800 auctions, as well as for dealer-to-dealer transactions, customer trade-ins, online auction purchases, new car dealerships, daily rental companies, and other approved sources.

Q.	I can't use my old Xpress Pay password. Why?

A.	With the April 2007 Xpress Pay release, we reset all passwords to ensure that we meet more stringent password security requirements. Security requirements for Xpress Pay will have to change periodically as online best practices continue to evolve. The new requirement for an Xpress Pay password is that it must be between 8 and 32 characters in length and it must contain at least one letter (A-Z) and at least one number (0-9).

Q.	When enrolling in Xpress Pay, I’m being asked to provide a security question and answer. What is this?

A.	Similar to the new password requirements, the security and answer feature is used quite commonly on websites that require a user log-in. You have probably already seen this feature on other financial services sites like your bank or credit card company websites. This feature provides additional access security protection since it requires that you provide the answer to the security question before being allowed to change your Xpress Pay password. You should input a question that only you know the answer to (e.g. what street did I grow up on, what is my mother’s maiden name, what was the first car I owned, etc.).

Q.	I'm receiving an error message while trying to access the site?

A.	Errors received while browsing Internet applications can be caused by a variety of reasons. One reason may be that the version of the web browser (likely Internet Explorer) you are using is not current enough to successfully access the site. If you continue to have problems while trying to visit a page on afcdealer.com, please do a browser check at this site to confirm the browser version that you are using. As a general rule, if you are using Internet Explorer, you should be on version 6.0 or higher. If you still are having problems, please contact AFC support and be prepared to share your browser version with us.

Q.	When is the site unavailable?

A.	We do periodically make the site unavailable in order to make enhancements to site functionality and to perform routine maintenance. We strive to make the site unavailable only during times when site traffic is at a minimum (i.e. late evening and weekends). We will provide advance notice on the Home Page whenever the site is scheduled for routine maintenance.