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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 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 rates as low as 2.99% with up to 2% dealer participation on certain products. Dealer fees and down payments can be as low as $0 and terms go as high as 72 months.

With the largest dealer network in the US, Westlake Financial Services is in the business of helping you sell more vehicles. Receive an approval for most of your customers with Westlake Financial Services. Westlake offers you instant approvals through DealerCenter®, Dealertrack® and RouteOne® with flexible financing options.

Click each badge for more program information

Standard Seal

  • Up to 72-month terms
  • No minimum FICO
  • Accepts hard-to-prove incomes
  • Discounts as low as $349
  • Allows open and past bankruptcies

Gold Seals

  • Westlake’s fastest growing segment
  • Up to 2% Dealer Participation
  • Up to 72-month terms
  • Rates as low as 9.99%

Platinum Seal

  • Rates as low as 5.99%
  • Down payments as low as 5%
  • Up to 2% Dealer Participation
  • Dealer fee as low as $100
  • Up to 72-month terms

Titanium Seal

  • Rates as low as 2.99%
  • Down Payments and Lender Fees as low as $0
  • Up to 72-month terms
  • Up to 2% Dealer Participation

Deal Enhancement Tools

REHASH

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

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

Learn More >

I-Maxx (Inventory Maximizer)

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 is approved. I-Maxx helps dealers provide a menu of vehicles and loan structures for their customers to minimize the loss of sales due to finance options.

Learn More >


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


Other Solutions

GAP

Increase your net check while giving your customers piece of mind with a Guaranteed Auto Protection (GAP) waiver. In case of a total loss, GAP will cover the difference between the balance due on the loan and the actual cash value the casualty insurance company pays.

Learn More >

GAP

SecureOne

SecureOne® can help increase your profit margin, while giving piece 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 >

secure-one-logo

Spot Insurance

Protect your vehicle from the moment your customer drives out of the lot, until the loan is fully funded. Designed to provide immediate binding coverage at the time of purchase, Spot insurance protects the dealer’s vehicle in case of a total loss and the customer’s insurance cannot be verified.

Spot Insurance offers temporary, flexible point of sale policies available for 7 or 14-day coverage. Every Spot policy comes with five out-of-the-box coverages: bodily injury, property damage, medical payments, comprehensive & collision. Dealers also have the option to purchase uninsured/underinsured motorist.

Download Product Flyer >

Spot Insurance

12 Month Collateral Protection Insurance

Westlake, through Knight Management Insurance Services (“KMIS”) offers a twelve month comprehensive and collision insurance policy with a premium that is divided throughout the term of the loan. It is designed to protect the vehicle against unexpected loss such as: accident, theft, or vandalism, as well as, protecting the dealer’s interest throughout the first payment default period by providing physical damage protection.

Download Product Flyer >


Available Dealer Services

DealerCenter (by Nowcom)

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

DealDriver by Nowcom

Innovative prequalification solution seamlessly integrated into your website that instantly produces financing options on all your inventory and allows customers to structure their own deal.

Learn More > Sign Up

Deal Driver Logo

Westlake Lead Program

Westlake knows it’s difficult to generate a steady flow of qualified leads into your dealership. The Dealer Lead Program provides qualified customers actively searching for a new vehicle as free leads to the dealership. To help you sell a few more vehicles every month, Westlake Financial Services encourages its dealers to participate in the Westlake Dealer Lead Program.

Learn More > Sign Up

Westlake Lending Solutions

Remarketing

Westlake Financial Services Remarketing Department sells thousands of quality used cars through auctions nationwide. 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.

Learn More >

ALPS

Westlake ALPS is committed to offering you the best price possible on your Portfolio, Credit Lines, or Payment Streaming. Westlake ALPS takes a strategic and consultative approach to each transaction that allows representatives to provide the best price for all ALPS services.

Learn More >

GlobalTrack GPS

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

Learn More >


Deal Spotlight

Deal Spotlight

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 it as the backbone to their first-time buyer and sub-prime finance business.

Highlights:
  • No minimum Credit Score
  • Loan terms up to 72 months
  • Discounts as low as $349
  • Accepts hard-to-prove incomes
  • Allows open and past bankruptcies (BK’s)
  • No Minimum Income, Job Time, Residence Time, Bureau Time
  • No Minimum Amount Financed
  • Maximum Loan Amount $25,000

Take a look at these deals.

Sample Deal:

Near-Prime Customer Approved with Low APR on a High Mileage Vehicle

548 FICO customer financed a 54-term contract and a great monthly payment.

Overview:
  • Over 130K Miles
  • Low Lender Fee
  • Monthly payments under $365

Click to enlarge sample deal

Product Standard

Westlake’s Gold program allows dealers to provide aggressive financing options to customers with established credit history, regardless of vehicle mileage or age. Just like the Standard program, customers with hard-to-prove incomes, open or discharged bankruptcies, and prior non-Westlake repossessions all qualify for the Gold program

Highlights:
  • Up to 2% Dealer Participation only with no chargebacks
  • APRs as low as 12.99%
  • Loan Terms up to 72 Months
  • No Look to Book
  • Hard-to-Prove incomes accepted
  • No Minimum Amount Financed
  • Maximum Loan Amount $50,000
  • No Minimum Income, Residence, Job, Bureau Time
  • Allows Prior Repossessions

Sample Deal:

619 FICO Customer financed with a low down payment and good APR.

Overview:
  • $1,300 Down Payment
  • 2% Dealer Participation Added
  • APR Buy Rate – 9.99%

Click to enlarge sample deal

Product Gold

Dealers Enjoy the approval flexibility of Westlake’s Platinum program. The Platinum program allows dealers to be competitive with the big banks for near-prime and prime credit customers. Like Westlake’s Gold (link to pg) and Standard (link) programs, there is no vehicle mileage restriction and minimal stip requirements. Combine all this with low dealer fees and now dealers can cater to many customers with good credit buying a used or tough-to-finance vehicle.

Highlights:
  • APRs as low as 5.99%
  • Up to 2% Dealer Participation only with no chargebacks
  • Loan terms up to 72 Months
  • Minimal STIP requirements
  • Hard-To-Prove incomes accepted
  • Maximum Loan Amount $50,000
  • No Minimum Income, Residence, Job, Bureau Time

Sample Deal:

Customer with no FICO financed with a low down payment and Great APR

Overview:
  • APR Buy Rate – 6.59%
  • 2% Dealer Participation Added
  • Low Lender Fee

Click to enlarge sample deal

Product Platinum

Westlake’s Titanium program allows dealers to provide aggressive financing options to prime customers who walk into the dealership lot. Dealers enjoy having the ability to offer rates as low as 2.99% with up to 2% dealer participation. Not to mention dealer fees and down payments which can be as low as $0 and terms that go as high as 72 months. Needless to say, the Titanium program allows Westlake to be a truly competitive full-spectrum lender.

Sample Deal:

764 FICO customer financed with a low lender fee, a great APR, and 72-month term.

Overview:
  • $100 Lender Fee
  • 4.99% APR
  • 72-Month Term

Click to enlarge sample deal

Product Titanium

Deal Enhancement Tools

REHASH

Re-work your own deals and get an instant approval with our Rehash tool.

1. Deal Summary: View insight on your deal’s approval status and an overview of the deal, customer and vehicle information

2. Deal Structure: Rehash your deal structure to achieve a higher net check with the help of auto structure, deal hints, and smart buttons

3. Smart Buttons: Click on the blue icon and receive hints that help you reach a higher net check

4.  Customer/STIPS: View the signer and co-signer’s job and income information. Review waived stipulations and submitted stipulations

5. Funding: Tracks your deal while it’s in the funding process. Receive deal updates and view lender comments

AutoStructure

Westlake gives you the control to find the right structure for you and your customer. Our AutoStructure tools uses the customers desired monthly and down payment to adjust the application approval by changing Sales Price, term, and down payment to showcase the ideal structure for your customers’ needs as well as help you receive the highest net check. Check out the images to see how this program works.

Benefits of AutoStructure:

  • Puts the credit decision in the dealers’ hands
  • Helps dealers maximize their net check
  • Receive the ideal structure in seconds
AUTOSTRUCTURE

I-Maxx (Inventory Maximizer)

Westlake’s I-Maxx tool allows you to match one customer with many cars in your inventory. Using desired monthly and down payment, I-Maxx quickly identifies vehicles in your inventory on which your customer is approved and sorts them by highest gross. With I-Maxx your customers should never leave your lot without a list of vehicles for which they qualify.

IMAXX

Benefits of I-Maxx:

  • Showcase additional cars the customer can afford based on down and monthly payment
  • Sell more cars
  • Speed up the rehash process

Dealer Services – DealerCenter by Nowcom

Dealer Management Solutions

DealerCenter’s DMS technology leads the industry with innovation, dependability and value. No other platform combines more functionality into a single interface, making it easier than ever to run a dealership with efficiency and profitability.

DealerCenter also offers full inventory management, lender management, deal desking, CRM, BHPH, digital marketing & social media, custom dealer websites, and more—all in one easy-to-use system.

Total Lender Management →
Submit credit applications and receive lender decisions from RouteOne and Dealertrack, right from DealerCenter

Dealer Management System →
All the DMS tools you need, including inventory management, desking, payment processing, and Experian, TransUnion, and Equifax credit bureau services.

Inventory Merchandising →
Everything you need to professionally showcase your vehicles, including Book values, photo overlay, window stickers, and vehicle history reports.

Customer Relationship Management (CRM) →
Manage every aspect of the customer journey with our powerful tools, including SMS & Email messaging, tasks & workflow management, and more.

Buy Here Pay Here (BHPH) →
From contracting and collections to reporting and analytics, DealerCenter makes it easy to stay on top of your entire portfolio

Digital Marketing →
Powerful advertising and marketing tools to manage your online presence.

Custom Dealer Websites →
DealerCenter’s custom websites are responsive and SEO-optimized to create the perfect online shopping experience for any customer, on any device.

Full-Featured Mobile App →
Oversee your deals, upload inventory, run vehicle history reports, communicate with customers, and more, right from your phone.

Dealer Services – DealDriver by Nowcom

Deal Driver Logo

Build advanced financing tools directly into your website with DealerCenter’s DealDriver tool! Give buyers the freedom and flexibility to pre-qualify and structure their own deal, without affecting their credit score. You’ll receive each customer’s information and FICO score, and the customer will be able to view their financing options instantly, keeping them engaged with your site longer.

Features

  • Easy Customizable Website Plugin
  • Instant Customer Results – No SSN & No Impact to Credit
  • Generate Multiple Customer Payment Options
  • Set Financing & Lender Criteria
  • Mobile Responsive