...finance lenders? I have a small dealership, 10-12 cars. I do not want to deal with the hassle of going through in-house financing. I know there are many sites that advertise auto loans, but the majority of them just refer people to a dealer who buys the leads. What I need are sources to refer my customers to obtain their own financing. Most of them have marginal to bad credit. What would be ideal is a site where I can sit the customer down, have them put in their information, and get a decision quickly, and a check sent to either me or the customer. Does anyone know of any sub-prime lenders who give online approvals?

I am always pre-qualified through www.capitaloneauto.com (which used to be people first). My interest rates are around 6-7%.I usually walk into a dealership with financing already pre-approved. (of course, I don't tell them this until the deal has been made.)

I am a subprime department manager, I have 4 years experience in dealing with this on a daily basis. The easiest way around this is to do buy here pay here and drop your contracts in bulk at 90 days of maturity. You can expect to get 60-75% of the value for your contracts. on-line you can try sites like HSBC, capone, orchard bank. There is another way to go, send your customers, even subprime to a local credit union. One other bank to try that specializes in subprime is Westlake financial.