Fortune 100 Best Companies to Work For List Shows Where Subprime Professionals Prefer to Work in 2025

The FORTUNE 100 Best Companies to Work For ranking was recently released for 2025 and marks a high point of interest for professionals seeking the ideal opportunity to advance their careers. But for professionals working in subprime finance, not all the names on that list may be of interest.

That’s why we combed through it and extracted the companies that really count for subprime professionals. These organizations originate auto loans, credit cards, mortgages, and other offerings for individuals with less-than-ideal credit. 

Whether it’s assisting others in getting back on their feet or simply seeking to join a company that practices what it preaches, these firms are for you. Here’s a look at why these organizations are standout employers — and how their names are important to the subprime industry.

Our list of companies share more than strong HR functions and high credit rankings. Several of them deal in products that are specifically for borrowers of low or limited credit. Others make investments in training, development, and diversity initiatives that correspond to the subprime lending professional’s value system.

These companies provide real access to underserved consumers. That attracts workers who care about impact. For subprime professionals seeking to build careers with purpose, these companies are well worth closer examination.

Synchrony (#2): Synchrony ranks near the top of the list for good reason. Its subprime-friendly offerings include Synchrony Pay Later and other flexible financing products that help consumers with thin credit files. In a recent press release, Synchrony CEO Brian Doubles said, “We believe in second chances and smart credit solutions that help customers reach their goals responsibly.”

Pinnacle Financial Partners (#9): Pinnacle may not shout “subprime” from the rooftops, but its community-based approach to lending includes personalized credit options that can work for nonprime borrowers. “At our founding, we set out to be the best place to work because we believed the key to a successful business is a happy and excited workforce,” said Terry Turner, Pinnacle’s president and CEO.

Credit Acceptance (#34): Credit Acceptance is a cornerstone of the subprime auto lending world. They work with dealers nationwide to approve customers regardless of credit history. “Our team thrives in an award-winning culture where they love coming to work because they know they can make a difference,” said Ken Booth, Chief Executive Officer.

Capital One (#36): Capital One is one of the most visible names in credit cards, especially for those rebuilding their scores. Their secured cards and subprime-accessible products are well-known. CEO Richard Fairbank has noted, “We invest in technology and people to create financial products that meet our customers wherever they are.”

Ally Financial Inc. (#56): Ally’s subprime roots run deep in auto finance. They’ve also started expanding digital banking access, with leadership pointing to underserved communities as a core priority. “We really want to create an environment where people can be their best selves,” said CEO Jeffrey Brown in a recent industry panel.

Mastercard (#61): While Mastercard doesn’t lend directly, it empowers banks and fintechs to issue products for subprime consumers. Mastercard has expressed its commitment to fostering a workplace culture rooted in decency and respect. In a 2022 article, the company emphasized that “employees at all levels of the company do best when helping each other be great.”

New American Funding (#65): New American Funding makes a strong push toward mortgage inclusivity, offering loans tailored to first-time buyers and borrowers with less-than-perfect credit. In a statement, President Patty Arvielo has said, “Everybody needs to see themselves in leadership.”

Navy Federal Credit Union (#74): Navy Federal serves the military community with a range of personal loan products. While not exclusively subprime, they have flexible approval criteria and education-based financial tools. “We invest in our people to create not only a great workplace but also an environment where innovation, growth, trust, and success thrive every day,” said Holly Kortright, chief human resource officer.

Visa (#76): Visa empowers a wide number of issuers, including many that issue secured or entry-level credit cards aimed at subprime consumers. Visa’s infrastructure allows banks to tap underserved markets. Visa emphasizes creating “an inclusive workplace that encourages diversity of thought, culture, and background.”

Veterans United Home Loans (#86): VA loans are among the limited options for borrowers with less-than-prime credit. Veterans United focuses on these products and applies mission-oriented passion to the task. “We think the world of our employees and the culture they’ve built here,” said Veterans United Director of Culture Ian Franz.

If you are working in subprime and want meaning with your paycheck, these businesses are worth your attention. They serve subprime clients, yes, but invest in subprime professionals as well.