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Dealer FAQ

New around here ? Start With the Basics

Am I eligible for your program?

Yes. We work with franchise and independent dealerships.

How do I sign up?

Request a visit from a representative, and you will be contacted promptly.
Our sales representative will take you through all the steps needed to become a dealer partner. Once you have confirmation from us that your application process is complete, you can start submitting contracts to us.
Please do not submit application until you have confirmation that your Dealer Agreement has been processed.

Where can I get payoff information about your vehicles?

Payoff information for our vehicles is available 24-hours a day from our automated Account Information Line.

How fast can I expect an approval on my funding application?

Most approvals are received within 2 hours or less.

If I send in a complete contract, how long does it take to get purchased?

We have the ability to purchase your contract within 24-48 hours. It is contingent upon verifications and complete funding packages.

What are your underwriting hours?

We have extended underwriting hours: Monday – Friday until 7:30 pm (Estern Time) and Saturdays 10 am to 5 pm. We are also available most holidays.

Do you use credit scores in the application process?

We use a variety of credit scoring best practices and methodologies to evaluate each application that is submitted. Our financing programs provide a high rate of approvals for all types of non-prime credit situations.

How long, on average, does it take for a deal to be funded?

We have the capability of funding a deal 24-48 hours after a deal is purchased. The entire deal cycle, however, may take more time, depending on the accuracy and completeness of deals submitted. The “cleaner” the paperwork, the faster the funding.

What financing options are available?

We have multiple tiers of funding options that include financing solutions for customers with all types of non-prime credit — not only those with the most severely stressed credit histories. We cover the complete spectrum of non-prime auto finance.

Consumer FAQ

New around here ? Start With the Basics

How much cash could my loan be approved for?

Why not use our loan estimator to work out the possible figure? You should also think about your credit profile because this will have a bearing on how much you will be pre-approved to get.

What interest rates will I be paying on my auto loan?

The rates are based on several things. It pays to put down as large a down payment as you can. We will also take into account how bad your credit is and how good or bad a risk you are. We do however offer highly competitive rates in all cases!

How long should it take to submit my application?

You’ll need just a couple of minutes. Don’t miss any questions out or omit any information. You’ll stand more chance of being accepted if you fill in the form accurately and with 100% correct information. We may deny an application that is not fully filled out. Decisions come very quickly, but if you don’t get one try reapplying. Very often there will have been an error when you submitted it. Double check everything and send it again.

Do I have to pay a fee to submit my application?

No – we don’t charge you anything for using our service.

Is there a limit to the kind of vehicle I could get?

No not at all. Whatever you need – from a truck to a sports car – you can get it when you use our service.

What if I have bad credit? Is it worth applying for an auto loan with your company?

Yes! This is the main reason why we are in business – to help people get the auto loan they need, regardless of how good or bad their credit rating might be. Our high standards mean you can look forward to a great service and help whenever you need it.

What if I buy a pre-owned vehicle? Will I be able to rely on it?

When people buy a pre-owned auto we recommend they take out a warranty on it. It will protect against the potential cost of repairs in the future. Unexpected costs like this will increase the chances of you getting into trouble with your loan repayments. To avoid this, a warranty can be extremely useful to have. Click here to find out more about a top warranty company.

How do I know my information will be safe when I submit my application online?

We submit to stringent checks with Trust-Guard. These take place daily. We assure you your information is always safe. Click on the link for Trust-Guard to find out more. Just be sure that when you start your application you can see the https:// in the address bar. This will tell you that you are on a secure connection.

Request a Call Back

To find out more about our programs please call as at the regular business hours at.

Call (305) 908 - 3831