J.F.C. INC. Joel's Auto Wholesale's related finance company, credits our customer accounts $200 for every person they refer that opens an account with J.F.C. Inc. After the 10th person opens an account with J.F.C. Inc., your title is released and no further balance is owed on your loan. Please notice this is for the customer opening a loan with J.F.C. Inc and not the purchase of a vehicle.