Global Lending Services LLC

Global Lending Services LLC is an auto finance company headquartered in Greenville, South Carolina. It focuses on providing vehicle financing to consumers who do not qualify for conventional auto loans through banks, credit unions, or prime lenders. The company primarily operates through a network of franchised new car dealerships and some independent used car dealers across the United States.

Global Lending Services is a subprime auto lender, meaning its target customer base is borrowers with limited, impaired, or no credit history. This may include people who have had past delinquencies, a prior bankruptcy, a short credit history, or other factors that make them ineligible for prime financing. Because the risk of lending to this segment is higher, interest rates on loans arranged through Global Lending Services are typically significantly higher than those available from conventional lenders.

Consumers typically encounter Global Lending Services through a dealership's finance office rather than through a direct application. The dealer submits the buyer's application to multiple lenders, and Global Lending Services may provide an approval for applicants who would not qualify elsewhere. Buyers should ask the dealer specifically which companies have been approached and what the full terms of each offer are.

Applicants should carefully review the annual percentage rate, loan term, monthly payment, and total amount repaid before agreeing to any loan. Subprime auto loans can be expensive over their full term, and consumers should also consider whether steps to improve their credit score before purchasing a vehicle might result in meaningfully better financing options.

Comparing offers from multiple sources, including any credit union a buyer is eligible to join, is strongly advisable before accepting a subprime auto finance offer.