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Retail Finance and SmartLease®

Versatile options for flexible needs.

Business customers face unpredictable challenges. We offer a variety of financing and leasing options with predictable costs to help them reach their goals – and to help you grow sales and increase customer retention.

Retail Finance

Key Features:

  • Traditional retail financing with competitive buy rates and flexible terms

  • For new and used vehicles or certified pre-owned vehicles (CPOV) with up to 10 model years/120,000 miles at inception

  • Products for prime and non-prime credit

  • Financing for aftermarket products

  • Standard rate options and supported rates for select original equipment manufacturer (OEM) programs

  • Used vehicle valuation based on either the SmartAuction® purchase price or book value, whichever is greater 

  • A CPOV Program that allows valuation up to $1,000 above the guidebook value

  • Terms up to 75 months


Key Features:

  • A closed-end commercial lease that works like a personal lease with customers returning their vehicles at lease-end − available for select makes and models

  • Flexible options with lease terms that range from 12 − 60 months and annual mileage options that range from 10,000 − 15,000

  • Supported lease terms for select OEM programs in addition to our standard lease terms

  • SmartLease terms that end before the new vehicle limited warranty ends, so the manufacturer typically pays for major covered repairs during the lease term


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