AFG, a Houston based company, has been providing balloon lending to financial institutions all over the United States since 1999. AFG is the number one choice in residual based automotive financing today for lenders nationally.
Learn more about our mission, our values and the people behind our success.
To provide innovative, revenue producing products for financial institutions.
AFG offers an intelligent solution by providing a user-friendly, customized web-based calculator designed to make it easy for financial institutions to offer low payment financing to borrowers.
AFG celebrates 25 years in business in 2024.
Click here to learn more about the company’s journey to reach this remarkable milestone!
AFG’s CEO, Richard Epley, attributes the company’s success to three factors. Press play to find out more.
Deals with others in a straightforward and honest manner, is accountable for actions, maintains confidentiality, supports company values, conveys good news and bad.
Generates new ideas, challenges the status quo, takes risks, supports change, encourages innovation, solves problems creatively.
Leads through change and adversity, makes the tough call when needed, builds consensus when appropriate, motivates and encourages others.
We create a learning environment that enhances the potential of all team members without regard to race, ethnicity, gender, age, religious and/or other beliefs.
Having regard for yourself and others. Accepting the right of others to hold different or opposing views. We treat each other with fairness, dignity, and compassion.
Richard Epley founded Auto Financial Group (AFG) in 1999 and currently serves as the CEO. His vision for a scalable business model that utilized technology to facilitate transactions was realized in DrivingSense™, AFG’s residual based financing product that allows credit union members to customize a vehicle, compare payments with a loan calculator and access electronic loan documents. Epley continues to be responsible for AFG’s daily operations. Richard received a B.A. in Economics from the University of Texas at Austin in 1995. He is a Carousel Board Member for the Texas Children’s Hospital and a Life Member of the Houston Livestock Show and Rodeo.
Tim Kelly has over 20 years experience delivering solutions to financial institutions. Most recently Tim was the CEO of Teres Solutions. After the acquisition of Teres by CRIF S.p.A he was promoted to President of CRIF Lending Solutions where he led the company through multiple acquisitions and integration. Tim also served as Vice President of business development for Harland Financial Solutions’ UltraData-Enterprise system. Tim holds a Bachelor of Business Administration degree from Texas State University (1983). Tim is a student of his customers, profession, and industry.
Andre leads all finance and accounting functions at AFG. He began his career in institutional investments prior to receiving his MBA from the Goizueta Business School at Emory University. Since then, Andre worked for a boutique financial due diligence firm specializing in fractional CFO services and transactional advisory. He holds a BA in International Business and Finance from the University of South Carolina. Andre is a CFA Charterholder.
Shannon leads the Product and Development teams for Auto Financial Group in both U.S. and Canada. His teams are focused on delivering the most effective and efficient solutions to lenders and dealers across the automobile residual based finance landscape. After working over 20 years with Citifinancial Auto across various company disciplines, he has been spent the last 10+ years focused on automobile leasing solutions for his clients. He holds a MBA from Baylor University.
Holly Bentley oversees the Lender Account Managers as the National Lender Territory Manager for Auto Financial Group. With a background in Consumer Lending at Wachovia and HSBC Beneficial Finance, Holly contributes 17 years of experience to AFG. Her experience includes mortgage and automotive lending, credit counseling, business development, account management, and staff training. Most recently Holly worked successfully as a Finance Advisor in a virtual F&I office, using Dealertrack to help borrowers refinance their “off lease” vehicles through varied lenders.
Dave brings 29 years of automotive finance industry experience to the AFG management team. Prior to joining AFG, after 12 successful years of dealership finance and insurance tenure, he migrated to the lender side. Since 2001, he has held leadership roles developing sales teams and managing dealer relationships both regionally and nationally for various credit unions in the Dallas/Fort Worth area. Dave has a strong commitment to team building, effective communication and client follow up, both internally and externally. During 2004-2007, Dave also served on the board of The National Vehicle Leasing Association and, also served as Chair for the NVLA Texas Chapter.
Dave Pratt brings over 25 years of experience in the automotive industry, having worked in various capacities at dealerships early in his career, followed by a successful run in the fleet lease industry as sales and marketing manager. More recently, Pratt spent 15 years in the auction industry with Manheim and was involved in building and running three auctions in Texas.
Nicole Montgomery is the Controller for Auto Financial Group. She has been working in accounting for 18 years. Previously in SLB she was a controller for a division seeing the business through the day to day operations. There she helped to implement process improvements around reporting and business requirements. She strives to see how we can complete the task more efficiently and how to be more cost effective. Her motto is “A day on which we do not laugh, is the most wasted of all” and tries to live it.
Monica Mendoza leads all marketing initiatives at AFG. Monica has over 15 years of experience in B2B marketing, with significant expertise in implementing marketing automation programs and digital marketing strategies. Monica holds an MBA from Boston University as well as a Master of English and German Literature degree from the University of Tübingen.