Skip to content

Program Overview

Lending Program Points of Interest

  • Minimum monthly combined household income of only $2,000
  • Minimum $1,500 guaranteed backend for Warranty and/or GAP
  • Reserve paid at the time of funding with NO CHARGEBACKS
  • 450 minimum FICO score
  • Zero FICO/Limited Credit/First Time Buyers
  • Dedicated loan officers are available to rehash, review income upfront and to answer questions
  • Flexibility with self employed – we accept the last 3 months' personal bank statements for POI

Factors That Will Cause Us to Decline or Restructure a Deal

  • Open bankruptcies 
  • Vehicles over 8 years of age
  • Vehicles over 100,000 miles (135,000 for diesels)
  • Multiple autos (1 auto per licensed driver) 
  • Multiple Repos/Bankruptcies
  • Recent Repos (within 18 months)
  • Payment to income greater than 19%
  • No valid drivers license
Want to be partner?

Take your business to the next level.

Become A Partner