Questionnaire

This online application consists of 8 steps and 55 questions. Allow yourself approximately 30 minutes to complete. Once completed you will receive a email confirmation which will include a copy of your answers.

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Profile

Company Name

Date

Name

Phone

Banking / Wiring Information

18a. Bank Name

18b. ABA Number

18c. Account Number

18d. Account Name

18e. Reference

Notices

19a. Companys Fax Number

19b. Companys Phone Number

19c. Authorized Agent Name

19d. Authorized Agent Title

19e. Companys Street Address

19f. Companys City, State, and Zip code

Step 3 - Origination Platform

Customer Information

20a. Is Home Address required?

Yes

20b. Is Home Phone Number required?

Yes

20c. Is Employer Address required?

Yes

20d. Is Employer Phone Number required?

Yes

20e. Is Cell Phone Number required?

Yes

20f. What other information is required (if any)?

20g. Is information supplied by customer verified?

Customer Reference

21a. How many references are required (if any)?

21b. What information is required (if any)?

21c. Is information verified?

Step 4

Income

22a. How is income verified?

Pay Stubs

W-2

Other

22b. How is income calculated?

Hourly Rate

YTD income

Other

22c. Are overtime, gratuities, commission, etc included in calculation?

Yes

22d. Is the Payment to Income % calculated?

Yes

Employment

23a. Is employment verified?

Yes

23b. If so, how is employment verified?

Pay Stubs

HR contact

Other

23c. Are certain professions avoided? if so which ones?

23d. What is the minimum length of employment required for approval?

Debt to Income

24a. Is Debt to Income calculated?

Yes

24b. What debts are considered?

24c. What is the maximum DTI % allowed for approval?

Down Payment Amount

25a. Are credit reports pulled for Buyers and /or Co-Buyers?

Yes

25b. Are credit scores pulled?

Yes

25c. Are there credit restrictions?

Yes

25d. Does the company report to any of the 3 major credit bureaus?

Yes

25d (cont). If so. which ones?

Step 5

Credit Bureaus

26a. Is there a minimum down payment amount required?

Yes

26b. Is down payment required based on a flat amount? $500, $1000, etc?

Yes

26c (cont). if yes, what is the requirement?

26d. Is down payment required based on percentage of amount financed?

Yes

26e (cont). if yes, what is the requirement?

26f. Are deferred down payments offered?

Yes

26g (cont). if so, what is the policy?

Vehicle

27a. Are there restrictions based on vehicle age?

Yes

27b (cont). if yes, what is the maximum age?

27c. Are there restrictions based on mileage?

Yes

27d (cont). if yes, what is the maximum mileage?

27e. Are there restrictions based on make or model?

Yes

27f (cont). if yes, list makes and models that are not approved.

Loan to Value

28. Are there any loan to value restrictions?

Yes

28 (cont). if yes, what are the restrictions?

GPS / Starter Interrupt Devices

29a. Are GPS and/or Starter Interrupt Devices used on the vehicles?

Yes

29a (cont). if yes, which one(s) ?

29b. Which company(s) are used for the devices?

29c. What determines whether or not a vehicle is equipped with a device?

29d. What is the length of service that has been paid for?

29e. Is the GPS device part of the original contract or separate agreement?

Additional Products

30a. Warranty?

Yes

30a (cont). If so, list companies

30b. GAP?

Yes

30b (cont). If so, list companies

30c. Credit Life?

Yes

30c (cont). If so, list companies

30d. Disability?

Yes

30d (cont). If so, list companies

Step 6

Collective Policies

31a. On which day of delinquency is the customer contacted?

31b. How is the customer Contacted? Dialer? Agent?

32a. With GPS, on which day of delinquency is the vehicle located?

32b. What action is taken?

33a. With Starter Interrupt, on which day of delinquency is the vehicle disabled?

33b. What action is taken?

34. At what point is the vehicle put out for repossesion?

35. How are request extensions and/or deferments handled?

36. How are requests for due date changes handled?

37a. Are partial payments accepted?

Yes

37b (cont). if yes, what percentage of the payment is required to roll the due date?

38. Are there additional fees? Late fees, NSF fees, storage fees, etc?

Yes

39. Is there a grace period?

Yes

39b (cont). if so, how many days?

40. Are the statement of payment coupons used?

Yes

41. What types of payment methods are accepted? check all that apply

Cash

Checks

Western Union

Money Gram

Debit Card by phone

Credit Card by phone

ACH by phone

Automatic ACH

Online payment capabilities

Other

Step 7 - Almost Done

Due Diligence

42. Are all documents in the customers files?

Yes

43. Are all files ready to be reviewed?

Yes

44. Are origination documents scanned?

Yes

45. Can Payment Histories be provided electronically?

Yes

45 (cont). if so, what format will they be in? Excel? PDF?

46. Can Collection Notes be provided electronically?

Yes

46 (cont). if so, what format will they be in? Excel? PDF?

47. Are collateral documents filed separately or with origination documents?

48. Are you willing to ship files to our office for due diligence?

Yes

Step 8 - Last One!

Licensing and Compliance

49. What sales finance or banking licenses do you hold?

50. What debt collector or servicing licenses do you hold?

51. What are your compliance and training programs?

52. Do you have litigation tracking, complaint tracking, and an AML policy?

53. Do you have an internal and/or external audits?

Yes

53 (cont). If so, how frequently and by whom?

54. Do you have written loan policy, servicing policy, privacy policy, and a capital adequacy policy?

55. Do you use call monitoring?

Yes

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Questionnaire

Company Information

Banking / Wiring Information

Notices

Customer Information

Customer Reference

Income

Employment

Debt to Income

Down Payment Amount

Credit Bureaus

Vehicle

Loan to Value

GPS / Starter Interrupt Devices

Additional Products

Collective Policies

Due Diligence

Licensing and Compliance

AUTO LOAN BULK PURCHASE PROGRAM

Fast and easy auto loan bulk purchase program for BHPH dealers

BHPH AUTO DEALER LINES OF CREDIT THAT WORK FOR YOU

High advance rates and low interest rates make these revolving Lines of Credit a great ally for Buy Here Pay Here Dealers and Finance Companies looking to gain a competitive advantage

Questionnaire

Company Information

Banking / Wiring Information

Notices

Customer Information

Customer Reference

Income

Employment

Debt to Income

Down Payment Amount

Credit Bureaus

Vehicle

Loan to Value

GPS / Starter Interrupt Devices

Additional Products

Collective Policies

Due Diligence

Licensing and Compliance

BHPH AUTO DEALER LINES OF CREDIT
THAT WORK FOR YOU

High advance rates and low interest rates make these revolving Lines of Credit a great ally
for Buy Here Pay Here Dealers and Finance Companies looking to gain a competitive advantage