Frequently Asked Questions

Answers to common questions can be found in the sections below.

1. About Octane 

Are you a dealership?

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.

Who provides funding for vehicles financed or leased through your site?

We do! All of our loan originations are done in-house, so rest assured that any information you share with us, stays with us.

2. About the Pre-Approval Process

Why do you ask for my personal information?

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.

I completed the Pre-Approval process but didn’t get approved. Why?

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 for more details.

How do I remove a fraud or security alert?

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. 

3. About the Pre-Approved Offers

How long does the offer last?

A personalized offer is valid for 30 days from the date you receive your approval email. 

Can I put more money down?

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. 

Can I put less money down?

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.

Can I qualify for a higher loan amount?

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.

Can I add a co-signer?

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.

What dealership can I visit?

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! 

4. Vehicle Specific Questions

What types of vehicles do you accept for trades?

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.

I received a Pre-Approved financing offer. Can I choose a different vehicle instead?

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.

Can I finance multiple vehicles?

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.

What type of warranty comes with the 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. 

Can I purchase add-ons or accessories?

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. 

Can I buy this vehicle for someone else?

Sure! If you finance this vehicle, that person may also need to be on the purchase agreement.

Privacy Settings
We use cookies to enhance your experience while using our website. If you are using our Services via a browser you can restrict, block or remove cookies through your web browser settings. We also use content and scripts from third parties that may use tracking technologies. You can selectively provide your consent below to allow such third party embeds. For complete information about the cookies we use, data we collect and how we process them, please check our Privacy Policy
Consent to display content from Youtube
Consent to display content from Vimeo
Google Maps
Consent to display content from Google
Consent to display content from Spotify
Sound Cloud
Consent to display content from Sound