Elite Auto Funding exists because BCR Consulting's credit repair clients kept running into the same problem: their credit got better, but they were still paying for a high-cost auto loan taken out when it was worse. Instead of simply sending them to a dealer, we now help them review that loan and explore refinancing through partner platforms. We are not a lender or a dealership; we refer and broker, and we may be compensated when we do.
Why Elite Auto Funding exists
BCR Consulting works with consumers across Central Texas on their credit. Often, when clients reached the point where they were ready to deal with a vehicle, the answer was usually a referral to a dealership.
That made sense for people who needed a car. But many clients already had one — along with a loan they signed when their credit was at its worst. Their credit profile had changed; their loan hadn't. Sending them to a dealer to buy another vehicle didn't solve that problem.
So we built Elite Auto Funding to do something more useful: help those drivers look at the loan they already have and decide whether refinancing makes sense. Refinancing may lower your rate, your monthly payment, or both — depending on your credit, your vehicle, and your current loan. Sometimes the honest answer is that it doesn't make sense yet, and we'll tell you that too. Read more in refinancing after credit repair.
What we do
- Review your current auto loan with you — lender, remaining balance, vehicle, and how your credit has changed since you signed.
- Explain refinance options, including soft-pull prequalification through partner platforms such as RefiJet and the SuperMoney refinance marketplace.
- Help with vehicle purchases when you need one, including guidance for bad credit, first-time buyers, and life after bankruptcy or repossession, plus the SuperMoney purchase marketplace.
- Connect you with trusted dealers through our dealer partner program when buying is the right move.
Not sure if refinancing makes sense yet? Talk to a real person first — no hard credit pull, no pressure.
Talk to Our TeamWhat we don't do
We're not a lender
We don't make loans, set rates, or approve applications. Every loan is subject to the third-party lender's own credit review, terms, and approval.
We're not a dealership
We don't sell vehicles or add products to your deal. When you buy, you buy from a dealer you choose.
We don't guarantee results
No one can guarantee financing, a specific rate, or a credit score change. We give you straight answers instead.
We don't do credit repair here
Credit repair is provided separately by BCR Consulting under its own written contract and required disclosures.
How we're paid
Elite Auto Funding is a Texas-licensed and bonded Credit Services Organization. We may refer, broker, or receive compensation for connecting consumers with third-party auto financing and refinance opportunities. Some links on this site — including RefiJet and SuperMoney — are affiliate or referral links, and we may be compensated if you click, apply, or are matched, at no additional cost to you.
Compensation never changes what a lender offers you. Rates, terms, and approval are set by the lender. If you have questions about how we're compensated on a specific referral, ask — we'll tell you.
Our office and service area
Elite Auto Funding
1609 Shoal Creek Drive, Suite 100
Austin, TX 78701
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Office visits are by appointment — call (866) 540-4192 or email info@eliteautofunding.com to set a time.
We focus on Austin, San Antonio, and Central Texas, including Round Rock, Georgetown, Pflugerville, Cedar Park, San Marcos, Kyle, Buda, New Braunfels, and Seguin. Some of our refinance partners may serve drivers statewide; availability depends on the partner and your situation, so reach out if you're elsewhere in Texas.
Frequently asked questions
Is Elite Auto Funding a lender?
No. We are not a lender or dealership. We help you review your options and may refer or broker you to third-party lenders and marketplaces, which make their own decisions.
How is Elite Auto Funding related to BCR Consulting?
Elite Auto Funding is a BCR Consulting company. Credit repair is provided separately by BCR Consulting under its own contract; Elite Auto Funding focuses on auto loan review, refinance, and financing guidance.
Do I have to be a BCR Consulting client?
No. Anyone in our service area can contact us for help reviewing an auto loan or preparing to buy.
Can I visit your office?
Yes, by appointment. Our office is at 1609 Shoal Creek Drive, Suite 100, Austin, TX 78701.
Does it cost anything to talk to you?
No. A conversation with our team is free, and it won't affect your credit.
Tell us about your auto loan
Tell us a little about your current loan or situation. This is not a loan application, and it won't affect your credit.
Ready now? Check refinance options (soft pull) · (866) 540-4192
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