We use a non-traditional approval process. Rather than relying on rigid credit guidelines, we evaluate each deal on its own merits. If it makes sense, we buy the contract.

We do not use credit bureau scores as a determining factor in our decision to purchase a contract. Every application is evaluated individually — if it makes sense, we buy the contract.

Payment-to-Income ratios are considered on a case-by-case basis. We believe every customer's financial situation is unique and deserves individual consideration. If it makes sense, we buy the contract.

Only in rare circumstances will we request a co-signer. We work hard to find ways to approve deals without placing additional burden on the customer or the dealer. If it makes sense, we buy the contract.

Absolutely! We actively encourage open dialogue with our dealer partners. Additional context from the dealer often provides the insights we need to find a path forward. If it makes sense, we buy the contract.