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Dealer Solutions

Full Spectrum Financing​

Finance any customer that walks in the door!

Whether you are a franchise or independent dealer, Westlake Financial is the tool that can help your dealership increase your bottom line. With a full array of aggressive programs available, Westlake gives dealers the ability to offer:

  • Competitive rates
  • Up to 2% dealer participation on certain products
  • Dealer fees and down payments as low as $0
  • Terms as high as 72 months

With the largest dealer network in the US, Westlake Financial is in the business of helping you sell more vehicles!

Receive instant approvals 24/7/365 for most of your customers through DealerCenter®, Dealertrack®, CUDL®, and  RouteOne ® with flexible financing options.

*Rate Participation is excluded in NY and excludes vehicles with over 150,000 miles or TMU.

Credit Tiers

  • No minimum credit score
  • Accepts hard-to-prove incomes
  • Allows open and past bankruptcies
  • Competitive rates
  • Westlake’s fastest growing segment
  • Up to 72-month terms
  • Competitive rates
  • Down payments as low as $0
  • Up to 2% dealer participation*
  • Competitive rates
  • Down Payments and Lender Fees as low as $0
  • Up to 2% dealer participation*

Deal Enhancement Tools

Click on a DMS for a preview.

REHASH DealerCenter

REHASH DealerTrack RouteOne DealerCenter

You’re your own credit analyst. Westlake allows you to rehash your deal to making negotiating easy. In seconds you can lower your deal discount by adjusting term, down payment, and sales price. Take control of your retail finance deals!

Learn More >

AUTOSTRUCTURE DealerCenter

AUTOSTRUCTURE DealerTrack RouteOne DealerCenter

Take the guesswork out of structuring retail finance deals. Westlake’s AutoStructure tool helps you instantly calculate the best deal structure with the highest net check using the customer’s desired monthly payment & down payment.

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I-Maxx (Inventory Maximizer) DealerCenter

I-Maxx (Inventory Maximizer) DealerTrack RouteOne DealerCenter

Don’t let customers walk off the lot without an approval. Using a desired down payment and monthly payment, Westlake’s I-Maxx tool can quickly find all the vehicles in your inventory on which a customer can be approved. I-Maxx helps dealers provide a menu of vehicles and loan structures for their customers to minimize the loss of sales due to inadequate finance options.

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Fast Funding

eContracting

Speed up your funding time and shift away from the error-prone approach of manual entry. Dealers who eContract with Westlake often see funds a full day faster once the deal package is complete. With eContracting, dealers can also ensure they have captured the proper signatures, forms, and deal documents.

Westlake accepts eContracts on all deals regardless of credit type through Route One and DealerCenter. Dealers who submit applications through Dealertrack can use DealerCenter eContracting simply by rehashing the deal.

eContracting Benefits:

  • Submit deals faster to Westlake
  • Potentially faster funding
  • Quick and Easy contracting process
  • No special hardware required

TurboPass

Turbo your Sales, Cashflow, and Dealership with TurboPass. You can securely and efficiently validate bank statements, incomes, identity, down payments, and more. TurboPass allows our dealers to minimize fraud and get funded faster.

Learn More >


Other Solutions

SecureOne

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SecureOne® can help increase your profit margin, while giving peace of mind to your customers. When structuring your next deal, take a look at the benefits when you add Secure One with Westlake’s preferred extended service contact provider.

If things go wrong, parts and labor costs can add up quickly. With SecureOne®, your customers’ out-of-pocket expenses can decrease dramatically, helping them get back into their car with less financial worry.

Learn More >

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Available Dealer Services

DealerCenter Dealer Management System (DMS)

Take control of your dealership with DealerCenter’s premier dealer management system (DMS). Powerful technology, easy-to-use features and free unlimited training and support help you drive your business!

Learn More > Sign Up

CarZing Inventory Listing

Introducing Your Cars To More Customers! Open your doors to more customers online! CarZing® vehicle listing site gives online buying power to your customers and helps your dealership compete in the fast-changing online marketplace. Sign up for a CarZing membership now to increase your online sales.

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Remarketing

Westlake Remarketing

Thousands of quality Westlake vehicles are sold through auctions nationwide. Dealers can find the vehicles they need while getting guaranteed quality and money back when they purchase a Westlake car. Westlake dealers can get $250 off any Westlake deal with every Westlake vehicle purchase.

Learn More > 

Westlake Remarketing

Westlake Flooring

Drive your business with a Westlake Flooring line, backed by one of the top lenders in the country and excellent customer service! Westlake Flooring provides credit lines to finance inventory at the industry’s most competitive rates with quick funding. In addition, Westlake dealers enjoy benefits like lower rates, waived term fees, and RIC deal discounts when they bundle consumer and inventory financing.

Learn More > 

Westlake Capital Finance

Credit Lines

Get access to more money and increase the flexibility you need to grow your business! Receive industry-leading interest rates and specifically designed credit lines for your business needs. With a credit line through Westlake Capital Finance, you may be able to save 50% on monthly credit line payments and immediately access cash from your portfolio.

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Commercial Real Estate Loans

Build the business of your dreams with commercial real estate loans. Avoid the unpredictability of leasing by buying, refinancing or building your own real estate. We offer flexible terms from one to five years to best suit your business needs. 

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GlobalTrack GPS

Experience the difference, with the most innovative vehicle tracking devices on the market.

Learn More >

Ancillary Products

Enhance your deals with a variety of protection plans and services designed to meet your customer’s needs. From mechanical service coverage with SecureOne Pre-Paid Maintenance to waivers and component protection with SecureOne Vehicle Protection, these options help safeguard against unexpected vehicle expenses, providing peace of mind and added value.

Learn More >

NowPay

NowPay is your trusted partner in revolutionizing payment processing. As an Omni-Channel SaaS Payment Solutions company, we specialize in empowering businesses like yours with cutting-edge payment technologies. With a focus on innovation, security, and efficiency, we bring the future of payments to your doorstep.

Learn More >

Westlake Portfolio Management

Westlake Portfolio Management (WPM) provides industry-leading, full spectrum servicing at lower costs, branded and tailored to you. WPM is here to handle your customer service, collections, title administration, remarketing, repossessions, reporting, and more!

Learn More >


Deal Spotlight

Westlake’s Titanium program allows dealers to provide aggressive financing options to prime customers who walk onto the dealership lot. Dealers enjoy having the ability to offer rates as low as 4.99% with up to 2% dealer participation. Not to mention, dealer fees and down payments can be as low as $0 and terms as high as 72 months. Needless to say, the Titanium program allows Westlake to be a truly competitive full-spectrum lender.

Highlights:

  • 4.99% APR
  • Down Payments as low as $0
  • Up to 2% Dealer Participation
  • Up to 72-Month Term

Click to enlarge sample deal

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Dealers enjoy the approval flexibility that allows them to cater to a wider range of customers with Westlake’s Platinum program. There is no vehicle mileage restriction, APR’s as low as 9.49% and loan terms up to 72 months with minimal stip requirements. The Platinum program allows dealers to be competitive with the big banks for near-prime and prime credit customers.

Highlights:

  • Rates as low as 9.49%
  • Up to 2% Dealer Participation
  • Minimum Down Payments as low as $0

Click to enlarge sample deal

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Westlake’s Gold program allows dealers to provide aggressive financing options to customers with established credit history, regardless of vehicle mileage or age. The Gold program offers loan terms up to 72 months, APRs as low as 7.99%, and low dealer fees. Customers with hard-to-prove incomes, open or discharged bankruptcies, and prior non-Westlake repossessions all qualify for the Gold program.

Highlights:

  • Rates as low as 7.99%
  • Up to 2% Dealer Participation only with no chargebacks
  • Loan terms up to 72 Months
  • Westlake’s fastest growing segment

Click to enlarge sample deal

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Westlake’s Standard program gives dealers the ability to approve those hard-to-finance customers. Due to the program’s approval flexibility, dealers rely on this program for their first-time buyer and sub-prime finance business. The Standard program does not require a minimum credit score, allows open and past bankruptcies (BK’s), accepts hard-to-prove incomes, and offers competitive Loan to Value (LTVs). Loan terms extend up to 72 months and discounts drop as low as $0. No longer turn away customers due to a lack of financing options.

Highlights:

  • No minimum Credit Score
  • Loan terms up to 72 months
  • Discounts as low as $0
  • Accepts hard-to-prove incomes
  • Allows open and past bankruptcies (BK’s)

Click to enlarge sample deal

Image 1

Standard

Westlake’s Standard program gives dealers the ability to approve those hard-to-finance customers. Due to the programs approval flexibility, dealers rely on this program as the backbone to their first time buyer and sub-prime finance business. The Standard program does not have a minimum FICO, allows open and past bankruptcies (BK’s), accepts hard-to-prove incomes, and offers competitive Loan to Value (LTVs). Loan terms extend up to 72 months and discounts drop as low as $0. No longer will you have customers walk off your lot due to lack of financing options.

  • No Look to Book
  • Competitive LTVs
  • Up to 72 Month Terms
  • Hard-to-Prove Incomes Types Accepted
  • No Minimum Credit Score
  • No Minimum Income, Job Time, Residence Time, Bureau Time
  • Previous Bankruptcies and Non-Westlake Repossessions OK
 

Other Solutions

GAP Waiver

In the event of a total loss, accident, or theft, KMIS Gap Insurance covers the gap between the amount a customer’s comprehensive insurer pays you and the amount owed to your company.

SECUREONE

SECUREONE can help increase your profit margin, while giving peace of mind to your customers. Next time you structure a Westlake deal, take a look at the benefits when you add a SECUREONE service contract with Westlake’s preferred extended service contract provider.

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GlobalTrack GPS

Experience the difference with the most innovative anti-theft devices on the market.

Protect your Assets
Get Real-Time Alerts
Solutions for any business model

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WPM (Westlake Portfolio Management)

Backup Loan Servicing

Transfer of servicing in as little as 1 day
Auto, title, buy now pay later, and a variety of unsecured loans
Customize metrics & reporting

Primary Loan Servicing

Full spectrum servicing team at lower costs
30+ years of experience
Handle customer service, collections, reporting, and more

White Label Servicing

Lower Operational Costs
One of the lowest delinquencies in the industry
Innovative technology