PASS-THROUGH PROGRAM


Westlake ALPS helps you sell more cars, with less money!

Westlake ALPS Pass-Through Program bridges the gap between sub-prime bank financing and Buy-Here Pay-Here.  The program allows the dealer to capture the “Buy-Here Pay-Here customer” without the added expense of holding the loan in-house.  In essence, dealers can sell more cars, with less money!


Advantages To Dealer

  • No account seasoning required!
  • The Pass-Through Program allows you to have more control of your underwriting and your customers. 
  • Sell more cars without tying up cash flow in your accounts receivable as a Buy-Here Pay-Here account.
  • Know your profit margins with Westlake prior to delivering the vehicle.
  • Receive up-front cash on your sub-prime customers, without all the hassles of most Point-of-Sale deals.
  • No signup fees.


Program Guidelines

  • Max Remaining Term – 36 Months
  • Vehicle – 2002 or newer
  • Down Payment – 20% of Sale Price
  • Payment Amount - $450 Max or 20% PTI – (Gross Monthly Income)
  • No Salvage or Rebuilt
  • Recourse – 2-4 Payments
  • APR – Max State Allowed
  • Aggressive Advance Rates 
    *** Please contact Westlake ALPS for vehicle pricing & advance rates***


Required Documents

  • Original Retail Installment Contract (Westlake Approved)
  • Original Title (Westlake as lien Holder)
  • Completed Credit Application
  • Customer Reference sheet
  • Copy of Bill of Sale
  • Current Customer Payment History (if payments have been made)
  • Copy of Insurance Information (Westlake as lien holder) 
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  • Access to capital for organizational growth
  • Instant cash flow
  • Reduce and/or eliminate collection overhead
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  • Auto loan portfolio starting from $1,000,000+
  • Onsite consultation and closing
  • Personalized service from initial contact to post account transfer
  • Customized deal structure option available on each transaction 
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  • Designed specifically for auto dealers and auto lenders
  • Rates are among the most competitive in the industry
  • Flexible collateral and structure options
  • Increase access to capital as your business grows
  • Credit lines starting from $1,500,000+
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