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Programs Overview

The Westlake Waterfall: Standard, Gold and Platinum!

Westlake Financial Services offers a full spectrum of competitive financing options allowing you, the dealer, to finance any customer who walks on your lot regardless of vehicle age or mileage. Westlake's finance programs fall into three tiers: Platinum, Gold and Standard and are determined by the customer's FICO score.

Regardless of tier, all Westlake finance deals benefits from the following extremely flexible criteria:

  • Instant Approvals
  • No Minimum Amount Financed
  • No Minimum Income, Job Time, Residence Time, Bureau Time
  • No Maximum vehicle age or mileage
  • Open and Discharged Bankruptcies OK
  • Prior Repos OK

Find out why more Dealers use Westlake Financial Services to finance their Used Cars Sales than any other finance company.

Standard Program (0-599 FICO):

  • No Look to Book
  • Competitive LTV’s
  • 60 Month Terms
  • Hard-To-Prove incomes accepted
  • No Minimum Amount Financed
  • Maximum Loan Amount $25,000
  • No Minimum Income, Residence, Job, Bureau time

Gold Program (600-699 FICO):

  • No Look to Book
  • Competitive LTV’s
  • 72 Month Terms
  • Hard-To-Prove incomes accepted
  • No Minimum Amount Financed
  • 2% Dealer Participation*
  • Maximum Loan Amount $50,000
  • No Minimum Income, Residence, Job, Bureau time
  • Prior Repossessions OK

Platinum Program (700+ FICO)

  • A.P.R’s as low as 5.99%
  • Minimal STIP Requirements
  • 72 Month Terms
  • 2% Dealer Participation*
  • Hard-To-Prove incomes accepted
  • No Minimum Amount Financed
  • Maximum Loan Amount $50,000
  • No Minimum Income, Residence, Job, Bureau time

AAA Deals

  • Aggressive APR’s
  • Super Low Discounts
  • No Maximum Vehicle Age
  • No Maximum Vehicle Mileage
  • Even Hard-to-Finance customers qualify

Profit Builder

  • Control the A.P.R as low as 1%, and finance up to 200% of the book value
  • Receive up to 65% of book upfront and 50% of the customer's payment over the life of the loan
  • Cash out early for quick infusion of cash

Partner

  • Control the A.P.R as low as 1%, and finance up to 200% of the book value
  • Collect 100% of the Principal balance of the loan
  • No discount fee

Portfolio Buying Services (ALPS)

  • Portfolios as low as 2 months seasoned
  • Monthly, Semi-Monthly and Bi-weekly payment schedules
  • Accounts up to 30 days past due
  • Either Simple or Pre-Computed interest
  • Titles in dealers name or lenders willing to release title

Don't let your loans be your burden!