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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.
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
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