Meet the rising star in sub-prime automotive finance Since 1989, Auto Finance has consistently offered used car dealers a profitable financing option for their sub-prime customers. Today, the financial strength of Auto Finance National is helping Franchised and Independent Used Car Departments across the country to increase sales and profits. Experience the Auto Finance difference by giving us a call today. Customer Credit Non bureau score driven underwriting Highlights Repossessions Bankruptcies Income/Employment No minimum job time All levels of Military considered Self Employed Non Reserve Program ? Non Recourse ? No GPS ? Residence No minimum time at residence Vehicle Model Year No age restrictions Service Contract Available ? Live Underwriting ? DealerTrack Applications ? Mileage Around 130K miles Value NADA Clean trade between 4K-9K Deal Structure LTV 200% of NADA clean trade Discount as low as 17% Faxed Applications Accepted ? No Assignment Fees ? No Hidden Fees ? No Dealer Enrollment Fees ? Average terms of 42 months As little as $1,000 down Average payment $450 or less americancreditacceptance.com 855.261.2530 Dealer Guidelines Buying Policies Funding Policies Open Chapter 13 Bankruptcies will be considered with a letter from the trustee accepting the terms of our approval. Maximum of 2 discharged bankruptcies Complete Funding Checklist with each deal All contracts must be approved simple interest with maximum late/return check fees allowable by your state. Valid Driver’s License One open auto tradeline per person. Names on all loan documents must match Driver’s License Six months since most recent repossession Maximum of 2 POI - 2 consecutive pay stubs, within 30 days of contract date SSI Income Must have proof of eligibility and receipt of benefits Self Employed6 months bank statements in the name of the borrowers only Mileage Guidelines: Imports - Around 130k miles POR - 2 documents dated within 30 days of the contract, including borrowers name and address Examples - Utility, cable bill, bank statement, auto insurance, credit card statement, Driver’s License Domestic: V8 - Around 120K miles V6 - Around 110K miles 4Cyl - Around 85k miles Insurance must be 500/500 covering all drivers listed on retail installment contract Restricted Vehicles: 2.7 Liter V6 Chrysler / Dodge from years 98'–04', Land or Range Rovers, Jaguars, BMWs, Mercedes All Turbos, Superchargers, Cadillac North Star Engines >60,000, Rebuilt/Salvage titles, Grey Market and TMU Minimum 6 references with complete addresses and phone numbers No Hold Checks or Deferred Down Payments First payments must be made by the customer and collected prior to funding if the first payment is due within 10 days of the funding date. Underwriting 877.706.8744 Funding 855.233.3604 Customer Svc. 866.544.3430 Lien Holder: Auto Finance PO Box 1899 Spartanburg, SC 29304 Loss Payee: Auto Finance PO Box 3487 Coppell, TX 75019 Closing Packets: Auto Finance 961 E.Main St. 1st Floor Spartanburg, SC 29302 americancreditacceptance.com 855.261.2530