International Credit

What International Credit does

International Credit, Inc. is a privately held secondary lending company headquartered in Duluth, Georgia, that provides consumer auto financing through direct partnerships with car dealerships. Founded in 2014, the company focuses on serving new creditors — consumers who are new to credit or seeking to establish a credit profile — by originating loans at the point of vehicle sale. The firm operates as a niche credit-builder lender, addressing a borrower segment that traditional banks typically underserve in the Southeast US market.

The business model is transaction-fee-based, generating revenue through interest on consumer loans originated via dealership referral channels. Distribution is concentrated in direct B2B relationships with car dealerships, and the firm supports borrowers in English, Spanish, and Tagalog. Core technology is not publicly disclosed, and the company maintains a deliberately small footprint of 1–10 employees. The company explicitly intends to remain private, and no external funding, M&A activity, or institutional ownership has been disclosed in available materials.

Leadership is concentrated in founder Cherry P. Godoy, who serves as Chairman, CEO, and President and brings over two decades of banking experience, including prior roles at Bank of America (as a top representative during the 1996 Olympics) and Intercontinental Bank (as VP of Operations). The company has stated goals of expanding operations beyond Georgia into other states and broadening its dealership base, though no concrete geographic or product expansion milestones have been disclosed in available materials.

Name

International Credit

Legal name

International Credit, Inc.

Website

https://internationalcreditinc.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

1–10 employees

Short description

International Credit, Inc. is a privately held secondary lender based in Duluth, Georgia, providing consumer auto financing through car dealership partnerships. The firm specializes in new creditors seeking to establish credit, operating with a small multilingual team in the Southeast US.

Ownership category

akta.pro rank

Headquarters

HQ city

Duluth

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Secondary Lending / Consumer Loans: International Credit Inc. operates as a secondary lending company that provides financing to consumers through car dealership partnerships. Revenue is generated through interest on consumer loans, with a focus on helping new creditors establish and build their credit profiles.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

International Credit, Inc. is a secondary lending company that works directly with car dealerships to provide consumer auto financing. The company specializes in serving new creditors — borrowers seeking to establish or build credit — enabling dealerships to extend vehicle financing to customers who may not qualify for prime lending. The firm also offers investment opportunities for developing investors.

Differentiator

Problem solved

Functional benefit

Products and services

• Secondary Auto Lending for Car Dealerships
• Investment Opportunities for Developing Investors

Named customers1 record

Segments2 records

Ideal customer profiles2 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves3 records

Expansion highlights4 records

Direct peers

• Credit Acceptance Corporation: Public subprime indirect auto lender that finances consumers through dealership partnerships across the US — the same core business model as International Credit, but at vastly larger scale.
• Consumer Portfolio Services: Indirect subprime auto lender originating purchases through US franchised and independent dealers — directly comparable in serving credit-challenged buyers at the dealership point of sale.
• Regional Management Corp. Specialty consumer finance company focused on near-prime and credit-building personal installment loans through a branch and digital channel — overlaps in credit-building borrower segment.
• World Acceptance Corporation: Provides small installment loans to underbanked consumers, including credit-building products — closely comparable in serving subprime and thin-file consumer borrower profiles.
• DriveTime: Vertically integrated used-vehicle retailer with captive subprime financing arm — directly comparable in financing credit-challenged buyers for vehicle purchases, though at much larger scale.

Broad incumbents

• Ally Financial: Large diversified auto finance lender covering prime and near-prime through dealer and direct channels — a broad incumbent whose dealer indirect-lending business overlaps with International Credit's model.
• CarMax Auto Finance: Captive finance arm of CarMax that originates subprime auto loans through CarMax dealerships — comparable indirect auto finance business with broader scale and infrastructure.
• EZCORP: Specialty consumer lender serving underbanked borrowers through pawn and consumer-loan products — adjacent exposure to the same subprime borrower demographic.

Emerging players

• Open Lending: Provides credit analytics and risk-based pricing tools to indirect auto lenders — comparable through shared end-customers (subprime auto borrowers) via dealership channels.

Regional players

• Westlake Financial: Indirect subprime auto lender operating across multiple US states — comparable indirect auto lending model serving credit-challenged buyers at the dealership point of sale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/international-credit-co

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about International Credit