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White River Capital is a holding company that specializes in auto finance. Subsidiary Coast Credit offers subprime auto financing in more than 20 states. Visa International Service Association acquires the subprime receivables from franchise and independent auto dealers. Another unit, Union Acceptance, oversees a portfolio of non-prime automobile receivables. In 2005 UAC was bankrupt and stockholders were looking for a way to squeak out value in their investment. The shareholders agreed to exchange UAC for shares of White River. After the swap White River bought the similar, yet more successful, Coast Credit. The holding-company-hat-trick allowed UAC to carry its business forward even after it declared bankruptcy in 2002.

World Acceptance Corporation engages in small-loan consumer finance business. It offers short-term small loans, medium-term larger loans, related credit insurance, and ancillary products and services, as well as loans standardized by amount and maturity. World Acceptance Corporation also offers income tax return preparation services and access to refund anticipation loans. In addition, World Acceptance Corporation markets and sells credit life, credit accident and health, credit property, and unemployment insurance products; markets automobile club memberships to its borrowers; and reinsures credit insurance. Further, World Acceptance Corporation, through its subsidiary, ParaData Financial Systems, provides data processing systems; and markets computer software and related services to financial services companies. World Acceptance Corporation serves individuals with limited access to consumer credit from banks, savings and loans, other consumer finance businesses, and credit card lenders. As of March 31, 2009, the company has 944 offices in South Carolina, Georgia, Texas, Oklahoma, Louisiana, Tennessee, Illinois, Missouri, New Mexico, Kentucky, Alabama, and Mexico. World Acceptance Corporation was founded in 1962 and is headquartered in Greenville, South Carolina.

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