What does A&M FINANCE mean on my credit report?

Learn about A&M FINANCE, an auto provider offering loans for financial assistance. Check the impact to your credit report and financial status.

Updated January 1, 2023
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What is A&M FINANCE?

A&M FINANCE is shorthand for A&M Finance, with the company name being A&M Finance, L.L.C.

We at Consistent Capital are proud of always being able to assist each and every one of our customers who visit our various car lot locations, finding a vehicle and financing package that suits their need and budget.

A&M FINANCE is a Auto Loan Provider. They could be on your report for a number of reasons, for example:

  • ⚫ You missed a repayment.

  • ⚫ You opened an account with A&M Finance.

  • ⚫ You opened a credit card / loan / mortgage with this company.

  • ⚫ Someone fraudulently opened a credit line under your name.

About the account

The account is classified under the following METRO2 categories:

  • ⚫ Auto
  • ⚫ Auto Loan

How do I contact them?

Here is the current contact details for A&M Finance:


  • 2151 NE Independence Ave Lees Summit​, MO, 64064-2314 United States




To make a payment at Instant Auto, visit one of their three locations in Lee’s Summit, Olathe, and Liberty, during the store’s business hours. Instant Auto offers no credit car loans with no credit check required, which is a form of monthly payment plan. At Instant Auto, customers can get their payments refunded by visiting one of their 3 locations in Lee’s Summit, Olathe or Liberty. They can also call customer service at (816) 524-4000 for Lee’s Summit, (913) 397-9300 for Olathe or (816) 246-3311 for Liberty. All locations have Mon-Fri 9am-6pm hours and Sat 9am-5pm, Instant Auto Services has Mon-Fri 8am-5pm hours and is closed on weekends. Instant Auto offers an online payment system. They also have 3 dealership locations in Lee’s Summit, Olathe and Liberty where you can make payments. At Instant Auto, they offer no credit check auto sales and provide financing without a credit check, so bad credit and no credit are okay. You can make a payment through their dealer, or you can use other payment options such as checks or money orders. there are penalties for late or missed payments when getting a no credit car loan with Instant Auto. They don’t require a credit check, but you will need to meet with their finance team to determine the amount of loan you qualify for.

Question Answer
Do they offer a monthly payment plan? Yes
Can I make payments over the phone? Yes
Can I make payments online? Yes
Do they offer a discount for automatic payments? No
Can I make a payment using a wire transfer? Yes

Forgiveness and Cancellation

No-credit car loans are offered to individuals with no existing credit, limited credit history, or poor credit. Interest rates depend on the individual’s credit score. Pros include the ability to purchase a car even with low or bad credit, the chance to build credit, and no down payment necessary. Cons include higher interest rates than other loan types, most expensive way to acquire a car, and may not help credit score.

Question Answer
Do they offer loan forgiveness? No

How to Apply

Instant Auto is a used car dealership in Kansas City, MO that offers no credit check auto sales with no credit check necessary, and bad credit is accepted. You can apply for a loan in person, over the phone, or using a mobile app. A cosigner may be necessary.

Question Answer
Can I apply for a loan online? No
Can I apply for a loan over a phone call? No
Can I apply for a loan in person? Yes
Can I apply for a loan using a mobile app? Yes
Can I apply for a loan with a cosigner? Yes

SmartCredit Report Example

  • This is an example of what this creditor will look like on your SmartCredit report.

A&M FINANCE SmartCredit Report

Will this affect my credit score?

Whether this account affects your credit score depends on a variety of factors, such as:

  • Account Open Date: If you opened this account recently it will impact your credit, the only way to prevent this from impacting your credit score is to remove the account from your report.
  • Derogatory Markings: If this account has any derogatory markings such as: Lates, Charge Offs, Collections and others.

However, there are could be some potential positive aspects to this account which could lead to improving your credit score, such as:

  • Account Age: If your account is quite old, then the age of it will positively impact your credit score
  • Repayment History: If the account has no Late Payments, Charge off Payments, then it may reflect a positive impact onto your credit score.

Can it be removed from my credit report?

Yes, with the right strategy, you will be able to remove any account from your report. But you have to be careful to ensure that the account is negative to begin with, or it will negatively impact your credit score.

However, removing a negative account will positively impact your credit score, allowing you to open new credit lines and potentially removing bad debt.

How do I remove A&M FINANCE from my credit report?

You can send a dispute letter to the credit bureaus to remove this account from your report. You must send a dispute letter to all three credit bureaus, as they are legally required to remove the account from your report if it is found to be inaccurate. For best results you should send a dispute letter to the credit bureaus via certified mail, this will ensure that you have a legal record of the communication.