C o n s i s t e nt F i n a nc i n g
TIER 2
TIER 3
TIER 4
TIER 5
TIER 6
650+
625-649
600-624
575-599
550-574
525-549
8.5%
10%
11.5%
13%
14.5%
16%
< 110%
$0
$0
$0
$0
$0
$0
110-120%
$0
$95
$195
$295
$395
$495
> 120%
$295
$395
$495
$595
$695
$795
$95
$95
$150
$195
$195
$195
as low as
All-In LTV
C o m m i t m e nt .
TIER 1
Bureau Score
Buy Rate
Acq. Fee
i s our
Assignment Fee
all contracts
Participation
Max 2.5% up to 60 months
Max 2% 61 - 72 months
up to
Flat Fee
at buy rate
$500
$500
$300
$300
$300
$300
Amt. Financed
$45,000
$45,000
$40,000
$40,000
$35,000
$30,000
125%
125%
125%
120%
120%
120%
135%
135%
130%
130%
130%
Preferred Dealers Add 5%
130%
18%
18%
14%
up to
Front-End
Advance *
up to
All-In LTV
up to
PTI
up to
Maximum Front-End Advance*:
Maximum Back-end Product **:
Maximum Back-end Advance:
Max Term / Maximum Age / Mileage:
(on select vehicles)
Minimum Down Payment:
Minimum Monthly Gross Income:
17%
16%
15%
Includes TT&L
● Max $2,500 Service Contracts
● Lesser of $800 GAP or state max
● Max $2,000 up to $15,000 Book Value
● Max $2,500 over $15,000 Book Value
Max 72 Months – 5 model years / 75,000 miles
Max 60 Months – 8 model years / 99,000 miles
$1,000 cash, net trade, and/or rebate
$2,000 from primary source
Preferred Dealers – $150 rebate paid on contracts with an All-In LTV not exceeding 130%
Rates/Fees/Participation may be adjusted based on credit risk, regardless of bureau score
Contract rate must not exceed state usury limitation / Simple interest contracts only
Buy down fee $300 per point / Credit approvals good for 30 days
Participation split 70/30 with no chargeback after 3 payments paid as agreed
* Advance = maximum Advance rate excluding service contracts and GAP
** Back-end = maximum amount above Advance rate to finance service contracts and GAP
CONTRACT - FEDEX
CONTRACT – UPS/USPS
LIENHOLDER
LOSS PAYEE
CarFinance Capital
4054 Willow Lake Blvd. Ste. 2072
Memphis, TN 38153
CarFinance Capital
3268 Progress Way Ste. 2072
Wilmington, OH 45177
CarFinance Capital
P.O. Box 278401
Sacramento, CA 95827-8401
CarFinance Capital
P.O. Box 57053
Irvine, CA 92619-7053
For more information go to www.carfinancecapital.com or call (800) 900-5150
Dealer Program Guidelines
© CarFinance Capital LLC
Rev 20130614