Nationwide programs with flexible guidelines and a powerful online portal via DealerCenter. Even if you rarely book Westlake, the ecosystem is valuable for submissions, deal structuring, and integrations (credit pulls, doc storage). Westlake can be a lifeline for customers with major credit obstacles—expect a learning curve to optimize advance, backend, and reserve.

Subprime specialist known for accepting older, higher-mile inventory. Can set up in-store contracting so your team signs docs at the dealership— reduces risk of losing buyers to competitors in dense markets. Good backbone lender for special-finance departments.

Strong special-finance partner across the Pacific Northwest and Nevada, with an easy online portal and in-store signing. From experience: they often favor stable employment (~2+ years; changes in the same line of work OK), consistent residence (~2 years local), and rough credit is workable if there aren’t open household collections. Prior repo or bankruptcy may be considered if there’s a clear, documented improvement in income or circumstances. These are pattern observations; United Finance makes all credit decisions.

Aggressive in subprime with a fully online platform and hands-on reps. Often competitive on tougher scenarios, including buyers who lack a Social Security Number or driver’s license (dealers must confirm ID and compliance requirements). Worth having in the mix for difficult credit and thin files.

A portal into credit-union financing that shoppers love—competitive rates and strong consumer trust. CUDL access can be selective: dealers typically need multi-million annual sales volume, newer/cleaner inventory mix, and time in business. If you’re not on CUDL yet, you can still win deals by partnering directly with local credit unions (see playbook below).