Welcome to UCFS


United Consumer Financial Services (UCFS) has offered direct seller financing since 1980 and has purchased over 3 million retail installment contracts. UCFS provides retail sales financing for distributors, dealers and merchants in the United States and most provinces of Canada.

UCFS provides long term dealer financing for your sales contracts. We have customized finance programs for hundreds of companies and small businesses. We provide long term, consistent financing and purchase a broad range of contracts from Prime to Substandard.

If you need a company that can team with you and support your sales in order to grow your business, then UCFS is the finance company for you. United…We are a Team!


Customized Consumer Financing Programs