Because we are the experts in auto financing for people in unfortunate credit situations, thousands of people have been able to purchase new and used vehicles by utilizing CMM Finance, Inc.

This is a number that we are very proud of. We are able to do this because we understand that people are more than their credit scores. We have a commitment to helping people, and will go the extra mile to get you financed quickly with a payment situation you feel comfortable with. We offer monthly and weekly payments for your convenience as well.

Click here to apply for credit with an approved dealer

Our Commitment to You Runs Deep

We are also here to help you improve and build your credit standing by communicating with you as needed regarding your payment status.

You can be paid-in-full by your loan maturity date if you make your payments on the date they are due.

CMM Finance, Inc. requires that you keep your payments current and that you keep full coverage insurance on your vehicle with a minimum deductible of $500 at all times.

At CMM Finance, Inc. we DO NOT mail payment books. You are responsible for making your payments as agreed.

We offer the following options for making payments for your convenience:

Pay Online

Click the button below to make a onetime online payment using your credit or debit card.
There is a $7.50 fee per transaction using this service.

Pay Online

Automatic Payments

Click the button below to use your Debit or Credit Card to setup payments to be automatically paid on your due date each month or week.
There is no transaction fee for this service.

Automatic Payments

Pay by Bank Draft

Click the button below to make a onetime online payment using a Bank Draft.
There is no transaction fee for this service.

Pay by Bank Draft

Pay by Phone

Call to pay with a Debit or Credit Card to make scheduled payments. There is a $7.50 fee per transaction using this service.

(256) 383-7082

Pay by Mail

Mail your scheduled payments to:

  • CMM Finance, Inc.
  • P.O. Box 3808
  • Muscle Shoals, AL 35662-3808

Because interest accrues daily, you will pay additional interest for every day that you do not make your payment after the due date. If your scheduled payment has not been made by the 10th day following your payment due date, a late charge will be added to your account. If you become 25 days late on a scheduled payment, you  will be in default status. If you become 30 days past due on any scheduled payment of if at any time your full-coverage insurance lapses, your vehicle will be scheduled for repossession. To redeem a vehicle that has been repossessed, you will be required to pay repossession fees, past due balance, and advance payments (monthly customers must pay 1 payment in advance; weekly customers must pay 2 payment in advance).

In the event your vehicle is repossessed for a lapse in insurance coverage, you will be required to show proof of 3 months prepaid insurance and pay repossession fees to redeem. In the event you are repossessed a 2nd time, CMM Finance, Inc. requires the vehicle to be paid-in-full in order to redeem.

No credit financing, bad credit financing, slow credit financing, first time buyer financing, second chance financing service serving Muscle Shoals, Florence, Tuscumbia, Sheffield, Russellville, Huntsville, Leighton, Town Creek, Tishomingo, Iuka, Belmont, Cherokee, Spruce Pine, Phil Campbell, Mount Hope as well as all of Northern Alabama, Southern Tennessee and Eastern Mississippi, Prattville, Millbrook, Montgomery, Wetumpka, Clanton, Coosada, Selma, Selmont, Marion, Orrville, Summerfield, Deatsville, Dadeville, Tallassee, Alex City, Greenville, Maxwell AFB, Tuskegee, Auburn, Opelika, Greenville as well as all of Central Alabama.

Office Hours

  • Monday & Tuesday
    • 9:00 am – 5:00 pm
  • Wednesday
    • 9:00 am – 2:00 pm
  • Thursday & Friday
    • 9:00 am – 5:00 pm
  • Closed
    • Saturday & Sunday
  • Contact Us