Retail Finance and SmartLease®
Versatile options for flexible needs.
Business customers face unpredictable challenges. We offer a variety of financing and leasing options with predictable costs to help them reach their goals – and to help you grow sales and increase customer retention.
Retail Finance
Key Features:
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Traditional retail financing with competitive buy rates and flexible terms
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For new and used vehicles or certified pre-owned vehicles (CPOV) with up to 10 model years/120,000 miles at inception
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Products for prime and non-prime credit
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Financing for aftermarket products
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Standard rate options and supported rates for select original equipment manufacturer (OEM) programs
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Used vehicle valuation based on either the SmartAuction® purchase price or book value, whichever is greater
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A CPOV Program that allows valuation up to $1,000 above the guidebook value
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Terms up to 75 months
SmartLease®
Key Features:
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A closed-end commercial lease that works like a personal lease with customers returning their vehicles at lease-end − available for select makes and models
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Flexible options with lease terms that range from 12 − 60 months and annual mileage options that range from 10,000 − 15,000
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Supported lease terms for select OEM programs in addition to our standard lease terms
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SmartLease terms that end before the new vehicle limited warranty ends, so the manufacturer typically pays for major covered repairs during the lease term
FAQs
We have answers.