Alternative Auto Finance
Chosen Finance funds the credit-recovering buyers your dealership sees every day — with a clean program, fast decisions, and a team that answers the phone.
Why Partner With Us
Subprime borrowers now represent 15.31% of all vehicle financing — the highest Q4 share since 2021 (Experian). Yet traditional banks hold just 15.3% of independent dealer financing, leaving a wide gap of viable buyers with no clear lane. We accept credit scores from 500, open bankruptcies, and thin files. Our underwriters evaluate documentable complexity — not just easy approvals.
Inventory is capital. Every deal stalled in a lender's queue costs you floor plan, time, and gross. Our target decision is under 4 hours, with clear stipulation logic communicated upfront. A real person reviews every application — so you know where your deal stands, not just that it's pending. J.D. Power's 2025 dealer finance study confirms that lenders who fail to differentiate on responsiveness risk losing relevance. We take that seriously.
Every funded deal returns 1% of the financed amount to your dealership — paid with funding, every time. No reserve holdbacks, no backend recalculations, no delayed settlements. That consistency compounds: at average deal sizes across a normal month's volume, participation income becomes a predictable revenue line alongside front-end gross. We built it this way because partners plan better when income is certain.
You get a dedicated contact who learns your inventory, your typical buyer, and how your deals are structured — not a rotating call center. We work with your F&I team on packaging workable files from the start, reducing stip cycles and speeding up funding. Dealers who start with us on one rooftop regularly expand that trust to sister stores. That's not coincidence — it's what happens when a lender functions as an operating partner, not a sporadic option.
Complete the form below — you'll receive the full dealer checklist and agreement package within 1 business hour.
