Dealers

Standard

Subject to vehicle, down money, credit score and income

  • Advance Percentage: 65% to 70% of Amount Financed
  • Max Check to Dealer: 120% of NADA Clean Trade-In
  • APR: 21%
  • Max Payment: $400
  • Down Money: $1,500 or 20% of Sale Price
  • Recourse: 1 Payment
  • Dollar Amount of Max Check: $8,800

Customer Profile

  • Credit: No open auto, no open bankruptcy, no multiple repossessions
  • Payment to Income: 15% of Gross monthly income
  • Employment: 6 months same job, no temporary employees
  • Residence: 2 proof requirement (Driver’s License, utility bill, bank statement or lease)

Vehicle Profile

  • Vehicle: 10 years or newer
  • Mileage: 120K max

Premium

Subject to vehicle, down money, credit score and income

  • Advance Percentage: 80% of Amount Financed
  • Max Check to Dealer: 120% of NADA Clean Trade-In
  • APR: 10.9%
  • Term: Max 48 months
  • Max Payment: $450
  • Down Money: $1,500 or 20% of Sale Price
  • Recourse: No Recourse
  • Dollar Amount of Max Check: $10,500

Customer Profile

  • Credit: Minimum of 550 score, 3 years credit life and 5 pieces of current & positive credit are required. No dismissed BK’s and no repossessions.
  • Payment to Income: 15% of Gross monthly income
  • Employment: 1 year minimum, no temporary employees
  • Residence: 2 proof requirement (Driver’s License, utility bill, bank statement or lease)

Vehicle Profile

  • Vehicle: 7 years or newer
  • Mileage: 100K max