OUR SERVICES
Oba Capital Finance is a modern portfolio and receivables management company focused on serving underserved and credit-challenged communities.
We support internal, asset-backed financing programs through our affiliated dealership, Safe Used Auto Sales LLC.
Our focus is helping working-class individuals and families access reliable transportation through flexible payment plans and structured in-house financing.
Oba Capital is currently preparing for full lending licensure in the State of Connecticut.
WHY CHOOSE US
At Oba Capital Finance, we prioritize access, trust, and financial empowerment for working-class families.
With a strong presence in the Hispanic and underserved communities, we support flexible internal financing programs offered through our affiliated dealership, Safe Used Auto Sales LLC.
Our goal is to provide a smooth ownership experience with convenient online tools for customers to manage payments, track balances, and stay connected to their financing journey — all with transparency and care.
WHAT OUR CUSTOMERS SAY
No one else gave me a chance. I went to two other dealerships and was denied because I didn’t have perfect credit. But at Oba Capital and Safe Used Auto Sales, they treated me like a person — not a number. I was able to put down what I had, and they helped me finance a car I actually love. Now I can get to work, take my kids to school, and rebuild my life. I’m so grateful.”— Carla M., Danbury, CT
LATEST ARTICLES
🚗 Oba Capital Finance: Driving Opportunity for the Underserved. At Oba Capital Finance, we believe reliable transportation shouldn’t be a luxury — it’s a necessity. Yet, for many hardworking people in underserved communities, traditional financing options are out of reach.
Credit scores, immigration status, or lack of credit history are often barriers that prevent honest, paying customers from getting approved by big banks or national lenders. We’re here to change that.
💡 How We Work
Oba Capital Finance is not a traditional lender. We operate as a receivables and portfolio management company, supporting internal financing solutions through our affiliated dealership — Safe Used Auto Sales LLC. This unique partnership allows us to offer flexible payment plans, vehicle-backed financing, and in-house approval programs that help customers get into the cars they need — often when no one else will say yes. Our focus is on the working class, especially in the Hispanic and immigrant communities, who show strong payment performance but are underserved by the mainstream financial system.
🌐 Convenient and Transparent We’re also building digital tools so our customers can: Log in to manage paymentsTrack their balances View their payoff history Stay on top of their financing — from home or phone Our goal is to provide the tools and trust that big banks often fail to offer our community.
🤝 Our Promise
We don’t judge. We work with people. If you’ve got a job, a vision, and the desire to drive, we’ll help make it happen — with honesty, respect, and the type of customer care you won’t find at a typical dealership.Because at Oba Capital Finance, we’re not just about financing cars — we’re about fueling futures.