Large enough to meet all your floorplan needs, small enough to understand them.

To The Valued Customers of City Auto Finance:

The health and safety of our team, of which you are a member, guides our decisions during this unprecedented COVID-19 situation. City Auto Finance intends to provide you with the service and support that you have come to expect. In the short term, however, the office hours and staff availability will be limited. Specifically, we ask that you conduct business remotely, when possible. To that end:

  1. Please call instead of dropping-by
  2. Please make payments via ACH from our website
  3. Please send documents and titles via overnight courier/FedEx and CAF will overnight such documents to you.

Thank you for your cooperation in this effort. We look forward to better times down the road.
City Auto Finance, LLC
Jeff Carpenter, COO


City Auto Finance is a dedicated automotive finance provider headquartered in Franklin, TN with offices in Memphis, TN; Chattanooga, TN; Jackson, MS; Murfreesboro, TN; Birmingham, AL; Huntsville, AL; Mobile, AL and Atlanta, GA. Each branch is staffed with experienced professionals who truly understand their local market and the automotive industry.

Flexible financing with no curtailment.

We understand that competitive, flexible financing is the key to maximum cash flow, and offer independent dealers long-term, no-curtailment financing plans up to 135 days. We’ll work with you to create a floorplan solution that meets your needs and grows your business. 

Unparalleled leadership and experience.

With decades of leadership in both the floorplan industry and the used car business, City Auto Finance is the Southeast's most trusted used-car floorplan financing company. We understand the unique challenges of used car dealers, and develop individualized solutions coupled with unsurpassed service to help our customers and their partners maximize their potential.

What Sets City Auto Finance Apart?

Map of City Auto Finance locations

  • No Curtailment for up to 135 days
  • Interactive, Online ACH Payment Features
  • 135-day terms — some of the longest in the industry
  • Competitive Rates and low floor plan fees
  • No Hidden Fees – No audit or admin fees
  • “Flexible Floorplan Solutions”
  • Unmatched Customer Service
  • Extensive Knowledge and Experience

News & Announcements

Branch Closures / 02/15/2021

Please be advised that our branches in Memphis, Jackson, Huntsville, Franklin and Chattanooga are closed for the day due to weather.  Please reach out to your local rep with any urgent needs.  We'll address this day-to-day going forward.

Thanks for your patience,

-City Auto Finance Team

Inclement Weather / 02/14/2021

Dear City Auto Finance Customers,

Please be advised that we are expecing inclement weather at several of our branches in Mississippi, Tennesse and Alabama on Monday that may cause our offices to be closed.  Please reach out to your local rep to find out the satus of your local branch or if your needs are urgent.  Thanks for your patience and we appreciate your business!

-City Auto Finance Team