The Lender Landscape

Every Customer Fits a Tier.
You Need to Cover All of Them.

Prime

680+

Strong credit, fast approvals, lowest rates. Your primary lender should handle this tier.

Near Prime

640–679

Slightly below prime threshold. Often declined by primary lenders despite being creditworthy.

Sub Prime

550–639

Bad credit history but able to make the monthly payment. Only a true second look subprime lender will approve them.

Any

Same-as-cash, deferred payments and rate buydowns you can sell against at any credit tier.

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