The information in this Current Report on Form 8-K, including the exhibit, is furnished pursuant to Item 2.02, "Results of Operations and Financial Condition" and shall not be deemed "filed" for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to liability under that Section. Furthermore, the information in this Current Report on Form 8-K, including the exhibit, shall not be deemed to be incorporated by reference into the filings of United PanAm Financial Corp. under the Securities Act of 1933, as amended, or the Securities Exchange Act of 1934, as amended.

On November 3, 2008, United PanAm Financial Corp. issued a press release announcing third quarter 2008 results. A copy of the press release is furnished as Exhibit 99.1 to this report.

Item 9.01 Exhibits.



(d) Exhibits

EXHIBIT
NUMBER       DESCRIPTION
99.1         Press release announcing third quarter 2008
             results dated November 3, 2008