Dealer FAQ

Am I eligible for your program?
We currently work with franchise dealerships. We are unable to accept applications from independent dealerships at this time.

How do I sign up?
Request a visit from a representative, and you will be contacted promptly.
Your 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 or you can access the info online.

How fast can I expect an approval on my funding application?
Most approvals are received within 30 minutes 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 (Central 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.

If I can’t reach my buyer via telephone, what is the best way to reach that buyer?
The best way to reach your buyer is an email with the application ID number and the question you have. You can email most buyers by typing in the buyer’s first initial and last name, followed by “” (Example:

What is the best way to contact a credit analyst?
Visit Dealer Contact Information.

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.

Is your scorecard primarily beacon score driven?
Our custom scorecard system is not powered by beacon scores. The scorecard takes into account a number of factors, but beacon scores do not drive the outcome.

What are the approximate beacon scores for each tier?
Credit analysts work each deal individually to determine its appropriate funding tier.

What is your participation split?
Split 75/25, varies by tier. Please check final approval for actual participation.

Do you have a look/book?
Dealers can monitor their deal history for general trends by logging onto our Dealer Extranet. (Your Sales Representative will supply you with a login ID and password.) It is important to remember, however, that deal specifics vary from deal to deal.

How can I view the status of my deals?
You can view your deals by going to and entering your username and password.

How do I get a username and password for the Dealer Extranet?
Please contact your Area Sales Manager. They will be able to get you up and running.