Sunrise Automotive Finance Company, Inc. in Jacksonville, FL

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.