Founded in 1996, GFS is a Michigan based sub-prime finance company that provides indirect automobile financing to individuals with challenging or limited credit. We purchase retail installment sales contracts from both franchised and independent automobile dealerships. With over 20 years of experience in sub-prime finance we recognize the value in putting the customer first. Our approval process begins with a PERSON, not a SCORE. This means that everyone has a chance to obtain vehicle financing, regardless of their credit.