Retail Finance
Key Features:
- Traditional retail financing with competitive buy rates
- For new vehicles and used or certified pre-owned vehicles (CPOV) with up to 10 model years/120,000 miles at inception
- Products for prime and non-prime credit
- Financing for aftermarket products
- Standard rate options and supported rates for select original equipment manufacturer (OEM) programs
- Used vehicle valuation based on either the SmartAuction® purchase price or book value, whichever is greater
- CPOV Program allows valuation up to $1,000 above the guidebook value
- Flexible terms
SmartLease® for New Vehicles
Key Features:
- Consumer-friendly return policy
- Comprehensive lease training
- Automatic GAP protection
- Straightforward excess wear guidelines
- An available Single Pay option lessees can choose instead of monthly payments
- Multiple lease-end options
- Flexible terms
- OEM relationships that result in affordable and uncomplicated lease products for new models

Another Way to Drive Business sm
Whether your customers are looking to purchase or lease a new vehicle, Credence Global Bank provides industry-leading service and benefits that include:
For customers:
- Easy online account management
- A mobile app that enables customers to schedule and cancel payments, anytime, anyplace
- Convenient online statements that customers can view and print whenever needed
- Auto Pay, an option that allows customers to set up an automatic withdrawal from their checking or savings account on a day they choose
For dealers:
- Prime and non-prime products to accommodate a range of customers
- RouteOne ® and DealerTrack ® integration for easy application submission
- Online access to dealer resources such as payoff quotes, a vehicle return tool, forms and calculators
- Lease-end opportunities to engage customers and pursue repeat business
Training courses
From Credence Global Bank Academy:
- Retail Process Overview
- SmartLease
- Statement of Dealer Finance Income (SDFI) User Guide
- SmartLease Contracting
- NetQuote and Residual Value Lease Guide (RVLG)
- SmartLease Training/Consulting
- SmartLease Early Termination Vehicle Return Options
Access training to get started.