Lot2You is a full spectrum auto lender helping dealers close more sales with an EXCLUSIVE and unique pre-approval lead and lending program. The only program of its kind for dealers, Lot2You delivers high quality prospects with a guaranteed finance source. Every customer arrives at your store with a Lot2You direct approval, but you also have the option of shopping the loan to other financing sources to find the best opportunity for you and your customer. Our pre-approved leads come from buyers across the credit spectrum who are ready to buy and actively looking for vehicles in your market.

Explore our Select Dealer Programs outlined below or click the button below to schedule your introduction call now.

Schedule your Select Dealer Introduction Call Now

Pre-Approved Lead Program.


Pre-Approved Lead

Dealer is immediately notified of an approved customer including contact information and loan details.


Stop or Shop

Finance the deal through Lot2You's lending network, or shop the loan to find a better financing option.


Close the Deal

You finalize the sale and deliver the vehicle to the customer.


The Lot2You Finance program offers subscription pricing catered to your dealership needs.


The Lot2You Select Dealer Network lead and lending program is available to a limited number of auto dealers who meet certain criteria.

  • Inventory selection that meets Lot2You Finance lending guidelines.
  • All vehicles must be fully reconditioned.
  • Sales department with experience in closing sales generated from leads

Full Spectrum Lending Program

Our approval process begins with a person, not a score! With more than 25 years experience in subprime financing, we recognize the value in putting the customer first. This means that everyone has a chance to obtain vehicle financing, regardless of their credit. This means, Lot2You can finance almost any customer that walks in your dealership! Lot2You offers flexible financing options for every credit score.

Our programs give Independent and Franchise dealers the ability to offer competitive rates, terms up to 84 months, and down payments as low as $0

Program Guideline Highlights

Credit (Vantage) Score - Minimum 400
Interest Rate Rates as low as 9% (to be determined by deal structure and maximum PTI 25%)
Maximum LTV 140% Retail or 160% KBB Wholesale (including backend)
Amount Financed - Min. $7,500 and Max $60,000
Maximum Payment - None (governed by structure)
Term - Min. 36 months and Max 84 months (monthly payments only)
Vehicle Age - 10 model years and newer
Mileage Maximum - 120,000 miles
Vehicle Value - None (governed by structure and collateral)
Refinance - For refinance contracts, applicants must have made 6 monthly payments
Excluded Makes - Smart, Saab, Tesla, Genesis, Alfa Romero, Bentley, Hummer, Saturn, Porsche,
Jaguar, Suzuki, Peugeot, Rolls Royce, Oldsmobile, Lamborghini, Lotus, Maserati, Maybach, McLaren, Isuzu, Ferrari, Fisker

Credit Requirements

Credit (Vantage) Score - Minimum 400
Bankruptcy - No open BK or BK dismissed/discharged in the last 12 months
Repossessed Auto and Charge offs - No repossessions or auto charge offs in the last 24 months
Minimum Credit Profile - 2 tradelines
Joint Applicants - No cosigners
(Joint applicants must be at same address)
Minimum Age - 18 years
Drivers License - Valid license in state applicant resides unless military
(ID provided for all applicants)
Income Minimum - $1,500 monthly for individual, $2,500 joint
Debt to Income - Max DTI (without housing) 50%

Let’s get moving.

Start Funding more deals today! Lot2You helps automotive dealers do just that. We are a consumer finance company specializing in purchasing and servicing automobile contracts from Franchised and Independent dealers, who have prime to non-prime consumers purchasing new and used automobiles.

Complete the contact form or reach out to us directly by phone or email to become a Lot2You partner today!

Phone - 1-888-855-8258

Email -