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National Auto Lenders provides auto financing for vehicle purchases through dealer networks. As of November 2025, loan servicing has been transferred to Brio Portfolio Management.
Data compiled from public sources
National Auto Lenders is an auto financing company that operates through a dealer network, providing loans to consumers purchasing vehicles. Based in Miami Lakes, Florida, the company has been in the auto lending space, though current operations focus on servicing existing loan portfolios rather than originating new loans. The company's website indicates a shift in their business model, with a clear notice that all loan servicing responsibilities were transferred to Brio Portfolio Management effective November 3, 2025.
National Auto Lenders offered auto financing products primarily through dealer partnerships, allowing consumers to finance vehicle purchases at the point of sale. The company maintained a straightforward service model with separate customer and dealer portals on their website. The key distinguishing feature of National Auto Lenders is their dealer-centric distribution model, where financing was offered directly through automotive dealerships rather than direct-to-consumer channels.
This approach positioned them within the subprime and prime auto lending market, serving consumers across various credit profiles. However, the most significant development is the servicing transfer to Brio Portfolio Management, which suggests National Auto Lenders has exited or substantially reduced loan origination activities. This transition indicates that the company is no longer actively underwriting and issuing new auto loans, instead focusing on portfolio management or potentially winding down operations.
For consumers with existing National Auto Lenders loans, the key consideration is that all future interactions—payments, inquiries, modifications—must be directed to Brio Portfolio Management rather than the original lender.
National Auto Lenders received 8 consumer complaints in the past 12 months. All complaints received a timely response from the company.
8
Complaints (12 months)
0.0%
Resolved with relief
Declining
Complaint trend
Most Common Complaint Categories
This is state-level context for Business Loans consumers in Miami Lakes, FL. It does not confirm that National Auto Lenders or this specific location is licensed.
State regulator
Florida Office of Financial Regulation
Consumer protection
Status: Permitted
Rate context: 18% APR for loans under $500,000; no cap for loans $500,000 and above
Personal loans are regulated under Florida's usury laws (Fla. Stat. § 687.02). The Office of Financial Regulation oversees licensed lenders.
Status: Permitted
Rate context: Tiered rate caps under the Florida Consumer Finance Act (Fla. Stat. § 687.101-687.308): rates vary based on loan amount and structure; maximum rates generally range from 18-25% depending on loan size and repayment terms
Installment lenders must be licensed by the Office of Financial Regulation. The Consumer Finance Act establishes specific rate schedules for different loan amounts.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
National Auto Lenders offers 8 services including Auto loan origination through dealer network (historical/no longer active), Auto loan servicing and account management (now through Brio Portfolio Management), Dealer financing program integration, Customer account portal access, Dealer account portal access, and 3 more.
National Auto Lenders is best suited for Existing borrowers with National Auto Lenders loans who need to manage their accounts through Brio, Automotive dealerships with existing relationships seeking to understand portfolio servicing changes, Consumers researching auto lenders to understand the market practice of loan servicing transfers.
Key strengths: Dealer network distribution provided accessibility for consumers at point of purchase; Maintained separate customer and dealer portals for streamlined account management; Provided auto financing for various credit profiles through dealership partnerships. Areas to consider: Company has ceased new loan originations as of November 2025, making them unavailable for new customers; Servicing transfer to third party (Brio) may complicate existing borrower relationships and account management.
In the Business Loans category, comparable providers include Automotive Fresh Start Center, Cocard, Florida First Capital Finance. Each company has different strengths — compare services, pricing, and consumer complaint records to find the best fit.
CreditDoc Diagnosis
National Auto Lenders is no longer accepting new loan applications and has transferred all servicing to Brio Portfolio Management as of November 2025. This company is only relevant for existing borrowers seeking to understand where to direct payments and communications, not for consumers seeking new auto financing.
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Answer 3 quick questions to see if this provider matches your needs.
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the fastest way to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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