Subprime Finance: Turn Credit Challenges into Sales Opportunities

Expand Your Customer Base with Flexible Financing Solutions

As a dealership owner, you know that credit challenges shouldn’t prevent qualified buyers from purchasing vehicles.

Our Subprime Finance program provides the solution you need to convert more leads into sales, helping customers with credit scores as low as 470 drive away in their new vehicle.

With rapid funding and flexible terms, we’re transforming the way dealerships approach subprime lending.

Why Choose Our Subprime Finance Program?

Finding reliable financing solutions for credit-challenged customers can be a significant challenge. Our Subprime Finance program combines flexible approval criteria with rapid processing and attractive terms to help you serve this valuable market segment while maximizing your dealership’s profitability.

Expanded Customer Base:

  • Serve previously untapped market segments
  • Convert more leads into sales
  • Rebuild relationships with past customers
  • Create new revenue streams

Rapid Processing:

  • 48-hour funding for clean packages
  • Streamlined application process
  • Efficient documentation requirements
  • Quick turnaround on approvals

Dealer Benefits:

  • 2-5% dealer flat on every deal
  • No chargeback exposure
  • Additional F&I revenue opportunities
  • Increased inventory turnover

Customer-Friendly Terms:

  • Rates as low as 7.95%
  • Flexible down payment options
  • Extended terms available
  • Inclusive credit criteria

Program Highlights

Our Subprime Finance program is designed to maximize approvals while maintaining responsible lending practices:

Credit Requirements

  • FICO scores from 400-680
  • Zero scores considered
  • Minimum $2,000 verifiable income
  • Payment-to-Income ratio up to 20%

Financing Terms

  • Rates starting at 7.95%
  • Down payments as low as $0
  • Terms up to 72 months
  • Loan amounts: $7,000-$45,000
  • Maximum LTV up to 130%
  • Line 3 advance up to 125%

Vehicle Criteria

  • Up to 12 years old
  • Maximum 150,000 miles
  • NADA Clean Trade valuation
  • KBB Wholesale in select states
  • Clear title required

Additional Product Opportunities

Every deal includes opportunities for protective products:

  • Service Contracts: Up to $2,500
  • GAP Insurance: Up to $1,000 (subject to state regulations)
  • Backend Products: Available on every qualified transaction

Program Exclusions

To maintain program integrity, certain vehicles are ineligible:

  • Electric vehicles
  • Grey market imports
  • Modified vehicles
  • Commercial vehicles
  • Discontinued models
  • Smart cars
  • Ride-share vehicles (Uber, Lyft, etc.)
  • Salvage titles
  • Frame/unibody damage
  • Buybacks/Lemon Law vehicles
  • Weather-damaged vehicles

State-Specific Valuations

Our program uses market-appropriate valuations:

NADA Clean Trade:

  • Standard valuation method for most states

Kelly Blue Book Wholesale:

  • Arizona
  • California
  • Colorado
  • Idaho
  • Nevada
  • Oregon
  • Utah
  • Washington
  • Wyoming

Key Program Features

Our comprehensive program design ensures both your dealership and your customers benefit from a streamlined, efficient financing process that maximizes approvals while maintaining profitability.

Quick Approvals:

  • 30-day approval validity
  • Rapid funding process
  • Efficient documentation requirements
  • Streamlined verification procedures

Flexible Structure:

  • Credit-based tier system
  • Adjustable terms based on qualifications
  • Multiple program options
  • Customizable solutions

Dealer Support:

  • Certified staff training
  • Dedicated program support
  • Processing assistance
  • Marketing materials

Revenue Opportunities:

  • Guaranteed dealer flat
  • Backend product sales
  • Repeat customer potential
  • Service department revenue

Getting Started

Implementing our Subprime Finance program is simple:

  1. Contact Our Team:
    • Submit inquiry through Contact Us form
    • Request program documentation
    • Schedule consultation
  2. Complete Setup:
    • Finance department registration
    • Staff training and certification
    • System implementation
    • Marketing material delivery
  3. Begin Processing:
    • Review current customer database
    • Contact qualified prospects
    • Process new applications
    • Start funding deals

Why Act Now?

The subprime market represents a significant opportunity for dealerships ready to serve this underserved segment:

  1. Market Demand:
    • Growing consumer base
    • Limited competition
    • Increasing approval rates
    • Strong customer need
  2. Business Impact:
    • Immediate revenue potential
    • Expanded customer base
    • Competitive advantage
    • Long-term growth opportunity
  3. Customer Benefits:
    • Credit rebuilding opportunity
    • Affordable transportation
    • Flexible terms
    • Quality vehicle options

Contact Us Today

Don’t miss out on the opportunity to expand your customer base and increase your sales. Our Subprime Finance program provides the tools and support you need to successfully serve the subprime market while maintaining profitable operations.

Submit your inquiry through our Contact Us form to learn how our Subprime Finance program can transform your dealership’s ability to serve credit-challenged customers.

Let’s work together to turn credit challenges into sales opportunities and help more customers drive away in their new vehicle today!