Galt Enterprises, Inc.









Galt

GAP (Guaranteed Asset Protection), subject to the terms and conditions of the GAP waiver agreement, pays off the remaining principal balance on your loan or lease in the event of a total loss.



800.248.GALT (4258)
34555 CHAGRIN BLVD.
SUITE 100
MORELAND HILLS, OHIO 44022


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Subprime Financing

Do you have low credit customers that you just haven't been able to put in a car recently? Call them back in and lets get them financed and driving out the door! Customers with FICO as low as 470 have to meet only a few parameters to be approved with our new Subprime Lender. When a "clean package" is submitted it will be funded within 48 hours (depending on when your bank gives you credit for the transaction).

Our staff was certified and trained with this lender and we're confident it can make a difference in your business. Local dealers are already jumping all over this opportunity stating that they've turned away many customers in 2012 that they could have gotten financed with this lender! There has never been a better time as February's Amount of Subprime Used-Vehicle Buyers Climbed 53.2 Percent!

Get your finance department signed up so you're ready to go. See the rate sheet below and contact Jennifer Otto at 800-248-4258 x101 or using the Contact Us form for all the details on this up and coming lender!

Franchise Dealers

All guidelines subject to approval with flexible structure based on credit worthiness and tier

FICO Range
470 & above (0 scores considered)
Min Income $2,000 verifiable income
Rates – as low as 9.95%**
Acquisition Fee – as low as $0
Max Term 72 months
Line 3 Advance – up to 120%*
Max Total LTV 130%*
Max PTI Up to 18% All in (including backend)
Min Down Payment – as low as $0
Max Vehicle Age 2009 or Newer
Max Mileage 120,000
Max Loan Size $35,000
Min Loan Size $7,500
Max GAP – when approved $800** (Subject to state regulations & limits).  LTV > 90%
Dealer Flat
2% of approved front end - Paid on every deal (Not subject to buy back)

Back End  Warranty and GAP Offered on Every Deal
Warranty: $2,500 & GAP: $800

* NADA Clean Trade
NADA: utilized in all states except as listed below for KBB

Kelly Blue Book Wholesale
KBB: AZ, CA, CO, ID, NM, NV, OR, UT, WA, WY

**Subject to federal and state regulations
Approvals are good for 30 days from original application date
$125 Contract Processing Fee

Titles – No Salvage, No Frame or Unibody Damage per AutoCheck, no Buybacks (Lemon Law), No Weather Damaged Vehicles

Ineligible Vehicles – Electric Vehicles, Grey Market, Modified or Commercial Vehicles, Discontinued Vehicles, Smart Cars

No Cars for Hire: Taxis, Limos, Uber