Fresh Start Credit

• 400 to low 500 credit score
• Low income ($1500 per month) like retail workers
• Any blemishes on credit (no more than 2 repos, bankruptcy)
• Must live local (3 years)
• New at job? = at least 3 months
• They also work with 1099 employees (self employed)
• Possibly can get young buyers bought (25 years or younger with poss. Co buyer and $2000-$2500 down
• No delivery vehicles or uber drivers
• Will work with buyers who want to put vehicle in theirs and their business's name

They will do $10,000 or less cars

• 11 years old or newer
• No foreign cars like bmw (expensive to repair)
• Car = 120,000 miles or less (maybe 130,000)
• Truck = 140,000 miles to 150,000
• They will do 150% of NADA

Can work with biweekly payments timed with customers pay periods (when they get paychecks)

• 36-39 months (can go up to 42 months)
• Requires $1500 down
• Bigger down payment = longer term
• 30 days until 1 st payment
• Their gap penetration is at 90% (no more than $895 on gap)
• We can sell warranty but must be affordable to customer

• Proof of income (P.O.I) 100% of the time
• Proof of residency (P.O.R) 100% of the time
• Five references
• Full coverage insurance ($1000 deductible with gap)
• Welcome call (possibly a phone interview in store)
• They do background checks (criminal record and driving record)
• They will possibly require gps installation
• $199 in back screen of ucs
• Disclosed to customer
• Customer will sign form in back office