Building Your Stack
How to Choose the Right Lenders
Evaluate each lender on these criteria before adding them to your stack.
Non-Negotiables: Every Lender Must Have These
- Soft-pull prequalification, zero credit score impact on the customer during initial approval
- Streamlined application process designed for sales staff in the home, not in an office
- Fast approval decisions, customers won’t wait; you need real-time answers at the kitchen table
Second-Look Lender Strengths to Look For
- Approves credit scores as low as 550, true subprime capability
- Competitive same-as-cash and deferred SAC pricing despite lower credit thresholds
- Partial approval capability, funds what the prime lender won’t, bridges the gap
At a Glance
Lender Stack Comparison
| Lender Type | Credit Range | Rate | Contractor Controls Comms | Subprime Capable |
|---|---|---|---|---|
| Prime Lender | 680+ | 9.99% | ✓ Yes | ✗ No |
| Near-Prime Lender | 640–679 | 13.50% | ✓ Yes | Partial |
| Subprime / Second Look | 550–639 | 15.99% | ✓ Yes | ✓ Core strength |
| Promotional Specialist | Any tier | 12 Mo Same-As-Cash | ✓ Yes | Varies |
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