Financing Your IAA Vehicle

IAA partners with several finance companies to help your licensed business build a floor plan that works within your business cycle. Choose from multiple options to finance your IAA vehicles and increase your purchase power.

Floorplanning Options

Financing, or floorplanning, is a simple process available to U.S.-based licensed businesses that allows you to pay for your IAA vehicles over a certain period of time following approval without depleting your cash by having it tied up in inventory. Using floorplanning leaves more cash available to repair the vehicles, or reinvest in your business. What’s more, flooring companies often provide additional ways to apply your financing – including transportation – to help reduce your inventory turn times even further.

Every floorplanning company we work with offers different benefits that fit your business needs. You choose which of our trusted partners provides the most convenient floor plan for your business, apply for financing, receive an approval notice, and then we release the vehicles to you.


Automotive Finance Corporation is integrated with our payment system, allowing for approval decisions within minutes without extra phone calls or paperwork. AFC offers several Specialty Financing Programs specific to buyer and vehicle type.

Browse AFC’s products and apply


NextGear offers customizable lines of credit with competitive interest rates and flexible terms. To apply for financing, you will need to contact the IAA branch from which you were awarded the vehicle, or contact Buyer Services. Visit NextGear’s website for more details about financing options  that are best for your business. 

Kinetic Advantage

Kinetic Advantage

Kinetic Advantage is an independent floorplan company that provides independent dealers with financial solutions to maximize success and minimize worry. Kinetic offers dealers a collaborative partnership with flexible terms up to 180 days and no admin or upfront audit fees.

Apply now

Additional Partners

We also partner with these financing companies. Visit their websites for more information, then contact Buyer Services to build your floor plan.