The quick look
Do you qualify?
Straightforward criteria, no mystery. Here's what we look for. The full picture comes with your application.
Credit
Typically a 680+ FICO for the applicant.
Down payment
Minimum 20% down. Varies by vehicle, borrower, and loan amount.
The vehicle
Exotic, luxury, collector, or hypercar. Private party, dealer purchase, lease buyout, or cash-out refinance.
Income & employment
Proof of income and stable employment history; self-employed applicants welcome with documentation.
Amortized terms
Amortized payment terms of 120, 180, or 240 months, with no prepayment penalty.
The fit
Approvals are built for the right vehicle, the right borrower, and the right loan amount.