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Buy Here Pay Here (BHPH) auto finance company offering in-house vehicle financing and used car sales with local credit decisions for bad credit borrowers in North Florida.
Data compiled from public sources
Sunrise Automotive Finance Company, Inc. is one of three finance companies operating under the Cars & Credit of Jacksonville and Select Car & Truck Store umbrella in North Florida. The company specializes in Buy Here Pay Here (BHPH) auto financing, a model where the dealership itself provides financing directly to consumers rather than through traditional banks or lenders. Operating since at least the early 2000s, Sunrise Automotive Finance serves the Jacksonville and Orange Park areas with physical retail locations.
The company's primary service is providing in-house vehicle financing for used cars, trucks, SUVs, and vans to consumers with bad credit, previous repossessions, or limited credit history. They market themselves as making local credit decisions that consider factors beyond credit scores and are willing to work with consumers who have negative credit events. Their financing model allows customers to drive home vehicles without requiring traditional bank approval. Payment plans appear to be structured on a weekly or bi-weekly basis typical of BHPH operations. The company reports monthly account status to Equifax credit bureau, potentially helping customers rebuild credit through on-time payments.
Sunrise Automotive Finance distinguishes itself through its explicit willingness to work with high-risk borrowers, local decision-making authority, and a focus on understanding individual circumstances rather than relying solely on credit scores. They operate two physical locations (Jacksonville and Orange Park) allowing customers to make in-person payments. The company emphasizes customer service and inventory quality, positioning themselves as offering better vehicles than competitors in the used car market. They maintain multiple contact methods including phone, email, and online forms for customer service inquiries.
However, potential borrowers should understand that BHPH financing typically comes with significantly higher interest rates than traditional auto loans and involves GPS tracking or payment collection systems embedded in vehicles. The company's website provides limited transparency on actual interest rates, down payments, or payment terms. While monthly credit reporting is positive for credit building, the business model inherently serves subprime borrowers with limited alternatives, and customers may face vehicle repossession if payments are missed.
Review lender profiles, APR ranges, fees, minimum-score fields, and funding-speed notes before deciding what to do next.
This is state-level context for Emergency Cash consumers in Jacksonville, FL. It does not confirm that Sunrise Automotive Finance Company, Inc. or this specific location is licensed.
State regulator
Florida Office of Financial Regulation
Consumer protection
Status: Permitted
Rate context: Maximum fee of $10 per $100 borrowed (minimum $10-$300 range) or $15 per $100 borrowed ($300-$500 range)
Amount context: $500
Term context: 31 days
Regulated under Fla. Stat. § 560.403. Borrowers tracked via the statewide deferred presentment database to prevent multiple simultaneous loans. A mandatory 24-hour cooling-off period is required between payday loans.
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.
Sunrise Automotive Finance Company, Inc. offers 12 services including Buy Here Pay Here (BHPH) auto financing for used vehicles, Used car, truck, SUV, and van sales, Bad credit auto loans with local credit decisions, In-house vehicle financing without traditional bank approval, Vehicle payment processing and collection, and 7 more.
Sunrise Automotive Finance Company, Inc. has profile signals associated with Consumers with bad credit who need immediate vehicle access and cannot qualify for traditional auto loans, Borrowers with recent repossessions seeking a second chance at vehicle ownership, North Florida residents needing local, in-person financing and payment options, Consumers willing to accept BHPH terms in exchange for credit-building opportunities.
Key strengths: Local credit decisions that consider factors beyond credit scores and individual circumstances; Willing to finance customers with bad credit history, previous repossessions, and limited credit; Monthly credit reporting to Equifax potentially helps rebuild credit through on-time payments. Areas to consider: Website does not disclose interest rates, APR, down payments, or specific payment terms, limiting consumer transparency; BHPH model typically involves GPS tracking or starter interrupt devices on vehicles.
In the Emergency Cash category, comparable providers include Amscot Financial, Cash Advance, Rapid Cash. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Sunrise Automotive Finance is profile signals for North Florida consumers with damaged credit or repossession history who need immediate vehicle access and are willing to accept the higher costs and restrictions inherent to BHPH financing. The main caveat is that this is a subprime lending model with undisclosed rates, GPS tracking/payment monitoring devices, and significant repossession risk—customers should fully understand these terms before committing and ensure they can reliably make weekly or bi-weekly payments.
Amscot Financial offers payday loans and installment cash advances up to $1,000 with provider-stated funding timing and eligibility claims to verify across Florida locations.
Profile signals: Floridians facing genuine emergencies who need cash within hours and have poor credit, Customers seeking one-stop financial services (lending, check cashing, notary, bill pay)
Amscot is a Florida-based payday and installment loan lender offering cash advances up to $500 and installment loans up to $1,000 with eligibility claims to verify and provider-stated funding timing.
Profile signals: Florida residents facing unexpected short-term cash emergencies (car repair, medical bills) with next paycheck income, Consumers with damaged credit who may not meet traditional bank-loan criteria or credit cards
Rapid Cash Orlando, Florida — Rapid Cash offers small installment loans from $100–$1,000 with listed funding timing, designed for short-term cash...
Profile signals: Consumers facing short-term cash access shortages who need $100–$1,000 quickly, Individuals seeking to avoid overdraft fees or payday loan spirals
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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 are required to 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 lower-cost 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.
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
The Military Lending Act protects active-duty servicemembers and their families from high-cost lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you may only be required to repay the principal — no interest or fees.
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Cash advances are a repeat-borrowing risk: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
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