About Us

Smart. Simple. Easy. Retail & Floorplan Financing


Founded in 1960, Auto Use is an independent finance company dedicated to the automobile dealer. Our commitment is demonstrated by over 50 years of successful service to thousands of franchised and independent auto dealers. We have succeeded in this dynamic industry through Innovation, Consistency and Focus: Innovation with regards to products, processes and programs; Consistency relative to underwriting, funding, and servicing; and Focus on the development of Long Term Dealer relationships, the key to our success.

img-displayWe’re devoted to addressing finance opportunities in every dealership. Our approach is simple yet effective; identify quality dealers and provide them with products that enhance their business. Auto Use has been a leader in consumer leasing since before the captive finance companies entered the market. We’ve been in the Sub Prime Finance business over 20 years, and we are confident there is no replacement for experience in this business!

Auto Use products include Prime & Sub Prime Retail Financing and Floorplan Inventory Financing. These products cover a broad range of dealer needs and opportunities. Whether taking advantage of our “one stop shopping” approach or utilizing one product, Auto Use will provide the dealer with the exceptional service necessary to compete in today’s market.

In addition to Auto Use, the ownership includes among it’s holdings the following:

Bill DeLuca Family of Dealerships, located in Andover and Haverhill, Massachusetts. Our focus on meeting the needs of auto dealers is sharpened because we are auto dealers. Over 50 years of retail experience gives a perspective few lenders have, a distinct advantage.

Auto Auction of New England, the premier auto auction in Southern New Hampshire that operates a state of the art facility serving over 4000 dealers that meets the needs of franchise, independent, fleet/lease, and bank customers.

Bank of New England, one of New England’s fastest growing commercial banks with a simple strategy of paying close attention to personalized service and a focus on being a community bank.

Did You Know…


  • Over 50 years of Auto Financing
  • Our Focus on Long Term Dealer Relationships
  • Successful Service to 1000’s of Dealers
  • “One Stop Shopping” Approach


  • I’ve been in business with Auto Use for almost 10 years and credit them with helping my dealership eclipse $10,000,000 in annual sales!Theodore Isaac Rubin
  • The great service from my sales rep keeps me coming back to Auto Use.  Day or night, weekend or weekday she’s always quick to help and find a solution that works!Theodore Isaac Rubin
  • Hands down the best!  Everything is first class and professional… 10/10!Theodore Isaac Rubin
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