Auto Dealerships

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Dedicated auto dealer support from an industry leader

Wells Fargo Commercial Auto has been providing financial solutions to automobile dealers and helping them achieve their personal and business financial goals since 1945, with world-class service and cutting-edge financial solutions.

Industry leadership

  • Industry leader with 75+ years’ experience
  • $27 billion in annual financing
  • $15.3 billion in lending commitments
  • 3,000 dealerships served
  • Over 584,000 vehicles floored in 2025

Solutions for complex financing needs

We help support and guide dealers with complex financing needs, such as: 

  • Guidance on your assessment of a syndicated capital structure, including common market terms and terms unique to the dealer landscape. Additionally, we can help lead and implement a syndicated capital structure to support your group for the future.
  • Experience with complex dealer groups that may need unique servicing, including publicly listed companies, institutional debt and equity, employee stock ownership plans (ESOP), and syndicated facilities.
  • Support for complex combinations of businesses, cash flows, and collateral pools to provide for e-commerce, cross-border, fleet, rental, auction, and ancillary non-auto operations.

Commercial auto financing solutions >

Drive sales with convenient retail auto financing solutions

Our team of auto financing professionals has extensive local market knowledge to meet your unique needs while providing a broad spectrum of credit solutions for your consumer customers.
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Auto dealership industry insights and analysis

Evolving auto market

Cynthia Caine shares how U.S. dealers are embracing new tools, pivoting to EV, and planning for growth.

Read article >

Fraud schemes

Learn about impostor fraud, account takeovers, and data breaches, and how you can protect your company.

Fraud schemes >

Industry trends

Cloud security, insider threat, cyberattacks, and more.

Emerging trends in cybersecurity (PDF) >

Economic outlooks

Read our commentary and insights on U.S. and international financial markets.

Learn more >

We offer auto dealers a complete suite of products and services to support a variety of business objectives including:

  • Purchasing inventory for new, used, demo, and service loaner vehicles
  • Working capital
  • Commercial real estate financing
  • Financing for acquisitions 
  • Succession planning
  • Managing payments and receipts 
  • Risk mitigation

Gain the Wells Fargo Advantage

Wells Fargo has the proven industry experience and dedicated, personal attention to create unique financing structures to support dealers through business cycles, innovation, and evolving needs. By working with us, you may benefit from:

  • National Accounts team with the expertise to support complex capital structures
  • Regional sales team to serve the needs of local dealerships
  • Online floorplan account management tool enables dealers to efficiently manage inventory
  • Treasury products to help improve operational efficiencies and help reduce fraud

Dealer Network

Join our auto dealer network and be part of a thriving community. Through our nationwide network, you can experience meaningful benefits and build lasting relationships.

Note: We are not enrolling new independent dealers at this time.

  • Local auto relationship managers from your region offer support and guidance throughout the enrollment process.
  • Your relationship manager schedules meetings with you to review our program, products, and processes. Any questions you have will be addressed in a timely manner.

Program Information

Auto financing should run just as smoothly as the vehicle. Our credit products are designed to help qualified applicants feel like they’re already in the driver’s seat.

Here’s how it works:

  • Once a credit application is received in our system, the best financing option for a customer is determined. (Financing options are based on customer needs and ability to pay.)
  • Dealers receive updates on customer applications by credit and rate tiers.
  • Application status (Approved, Pending, or Submitted for Funding) can be tracked in real time on Dealertrack® or RouteOne®

Dealer Support

Our Dealer Desk is dedicated to helping your business operate smoothly and can assist you with things like:

  • Dealer reserve statements
  • Lien releases
  • Loan unwinds
  • VIN corrections
  • Substitution of collateral
  • Aftermarket cancellations
  • Booksheet discrepancies
  • General questions

Dealer Desk
1-844-794-6492
Mon - Fri: 8 am - 6 pm Central Time
wfautodealerdesk@wellsfargo.com

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Reach out to get started

Let’s connect. We’re focused on providing tailored products and services to meet the unique banking needs of commercial businesses with annual revenues ranging from $25 million to $2 billion.

Contact us

Wells Fargo Commercial Auto as of 12/31/2025

Products and services require credit approval. Additional collateral may be required. Wells Fargo Commercial Auto is the business segment in the United States that provides certain inventory financing (floor planning), working capital financing, commercial real estate financing and acquisition financing services of Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. is an Equal Credit Opportunity Lender. Wells Fargo Bank, N.A. is a bank affiliate of Wells Fargo & Company. Wells Fargo Bank, N.A. is not liable or responsible for obligations of its affiliates.

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