Nope! We are a finance company founded and staffed by powersports enthusiasts on a mission to make the research and buying process easier! We’ll help you narrow down and select the vehicle of your dreams, get you squared away with financing, and connect you with a dealer to complete the transaction and take delivery.
We do! All of our loan originations are done in-house, so rest assured that any information you share with us, stays with us.
We ask for general information to help locate your credit profile using the information you provide on the Pre-Approval form. When you share your phone number, you also unlock additional contact options, like calling or texting. And just so you know, we’re different from everyone else – we promise not to hound you. We only call or text when you say it’s OK to do so.
There are several reasons why an application may not be pre-approved for financing offers. Some of them include fraud or security alerts, length of credit history, amount of revolving debt, employment status, or a combination of other factors. If you’re interested in learning more about what your credit reports contain, visit www.annualcreditreport.com for more details.
Each of the three credit bureaus handles this a little differently. We work primarily with Experian, and sometimes just a verbal conversation with us or them can temporarily lift a fraud shield. Other times you’ll need to contact them directly to fill out documentation in order to remove it.
A personalized offer is valid for 30 days from the date you receive your approval email.
Absolutely. Increasing your down payment lowers the amount you’ll pay every month and could have other benefits as well. When applying for financing offers, be sure to check “Call me” or “Text me” so we can reach out and chat more with you about it.
Possibly! This may depend on a few things, like your credit score. We’ll need to have a brief conversation with you to go over options. Be sure to check “Call me” or “Text me” when filling out the pre-approval form so we can contact you.
Maybe! When applying, make sure to check the “Octane can contact us” box so we can reach out and see if there are more personalized options for you.
Sometimes this is the way to go, especially if you’re rebuilding your credit or prefer joint ownership. When applying, be sure to check “Call me” or “Text me” so we can discuss the best option for you.
We encourage you to visit the dealership most convenient for you. If you’d like help with locating one, please select “Call me” or “Text me” when filling out the pre-approval form, and we’ll take care of the rest!
Since we aren’t a dealership, you’ll want to discuss any potential trades with the dealer where you’ve chosen to buy or lease your new vehicle.
Absolutely! The quickest way to do this is to start the process again from the home page. Note that if you receive another pre-approval, those terms may be different if the price, vehicle, or vehicle trim are different.
You sure can! To do this you’ll need to go through the pre-approval process twice, and select “Call me” or “Text me” so you can let us know that you’re interested in more than one vehicle.
Most new vehicles come with a manufacturer’s new vehicle warranty, which can vary based on the make and vehicle type. Some vehicles, however, do not offer a warranty. See your dealer for more details.
Of course! Accessories are a great way to customize a new ride to suit your needs. This is almost always done at the dealer, with parts they stock or order specifically for you.
Sure! If you finance this vehicle, that person may also need to be on the purchase agreement.