Financing Your IAA Vehicle

IAA works with several finance companies to help your licensed business build a floor plan that works within your business cycle. Choose from multiple options to finance your IAA vehicles and increase your purchase power.

Floor Planning Options

Financing, or floor planning, is a simple process available to U.S.-based licensed businesses that allows you to pay for your IAA vehicles over a period of time following approval without depleting your cash by having it tied up in inventory. Using floor planning leaves more cash available to repair vehicles or reinvest in your business. Flooring companies can also provide additional ways to apply your financing – including transportation – to help further reduce your inventory turn times.

Every floor planning company we work with offers different benefits to fit your business needs. You choose which of our trusted floor plan providers offer the most convenient options for your business. Apply for financing, receive an approval notice, and then we’ll release the vehicles to you.

Floor Planning Providers

IAA's preferred floor plan providers are ready to help finance your vehicles in a few easy steps. Review what they have to offer and choose the one that's right for you.

Automotive Finance Corporation, an IAA partner

AFC

Automotive Finance Corporation is integrated with IAA's payment system, allowing for approval decisions within minutes without extra phone calls or paperwork. AFC offers several Specialty Financing Programs specific to buyer and vehicle type.

NextGear

NextGear offers customizable lines of credit with competitive interest rates and flexible terms. To apply for financing, you will need to contact the IAA branch where you were awarded the vehicle, or contact Buyer Services. Visit NextGear’s website for more details about financing options  that are best for your business.

Kinetic Advantage

Kinetic Advantage is an independent floor plan company that provides independent dealers with financial solutions to maximize success and minimize worry. Kinetic offers dealers a collaborative relationship with flexible terms up to 180 days and no admin or upfront audit fees. To floor using your Kinetic Advantage line of credit, send the winning IAA stock number(s) along with your Kinetic Advantage ID to kineticadvantage@iaai.com.

Westlake Flooring Services

Westlake Flooring Services provides floor plan lines of credit to licensed auto dealers throughout all 50 states. To floor using your Westlake Flooring line of credit, send the winning IAA stock number(s) along with your Westlake Flooring ID to westlakefinancial@iaai.com.

Auction Credit

Auction Credit offers custom programs with credit lines to fit your unique dealership needs. To floor using your Auction Credit line of credit, send the winning IAA stock number(s) along with your Auction Credit ID to auctioncredit@iaai.com.

Carbucks

Carbucks Floor Plan offers dealers great terms while providing a high level of individualized service to each dealer. Carbucks does not burden dealers with audit or curtailment fees. To floor using your Carbucks line of credit, send the winning IAA stock number(s) along with your Carbucks ID to carbucks@iaai.com.

XL Funding

XL Funding provides a flexible and reliable floor plan source in your local marketplace. To floor using your XL Funding line of credit, send the winning IAA stock number(s) along with your XL Funding ID to xlfunding@iaai.com.

1st Choice Financial, an IAA floor plan partner. Finance your IAA vehicles and increase your purchase power.

1st Choice Financial Services

Get customized term plans when you floor with 1st Choice Financial Services. To floor using your 1st Choice Financial line of credit, send the winning IAA stock number(s) along with your 1st Choice ID to 1stchoice@iaai.com.

AutoBank

AutoBank Floor Plan provides dealers the capital and buying power to compete in today’s challenging but growing used car sales market. AutoBank works to build relationships with dealers by committing to help them grow their business. To floor using your AutoBank line of credit, send the winning IAA stock number(s) along with your AutoBank ID to autobank@iaai.com.

Additional Floor Plan Providers

We also work with these financing companies. Visit their websites for more information, then contact Flooring Concierge at flooringconcierge@iaai.com.