Dealer Frequently Asked Questions

If we haven’t answered your question here, please contact our Dealer Support team at 800-277-9198 or via email at We’re always ready to help.

Q. How long does it take to fund a deal?
A. If the contract package contains all of the necessary documents required for funding, you’ll typically see a “funded” status in Dealertrack or RouteOne within 48 hours. Incomplete contract packages will delay the funding. Clean deals often fund the same day. Follow our Standard Stip Checklist for faster funding.

Q. What is the maximum amount financed?
A. $35,000 before backend.

Q. Is there a down payment requirement?
A. Yes. We require a minimum cash-down payment of $1,000.

Q. Does SAFCO finance customers without an SSN?
A. Yes. We realize many customers, who are here on a work visa or without proper documentation, still deserve an opportunity to obtain financing. We strive to give them that opportunity.

Q. Does SAFCO have a FICO requirement?
A. No. We realize bad things happen to good people. Whether the customer is just starting out and has no credit, or if they’ve had a few bumps in the road, we have a program for them.

Q. What if a customer is past due on their mortgage or just became past due? Can SAFCO help?
A. Yes. We look at the total profile of the customer when we make our underwriting decision. Every SAFCO deal is looked at individually.

Q. What if a customer doesn’t receive paystubs?
A. The majority of our customers do have a traditional proof of income, such as a YTD pay stub. However, we also accept unconventional proof of income, such as bank statements and/or cancelled checks. Each customer is reviewed on a case-by-case basis.

Q. How do I obtain a payoff quote?
A. Payoff information is updated daily on both Dealertrack and RouteOne. You can also get a payoff quote by calling us at 800-599-8858, then press 2. You’ll need the customer’s 9-digit account number and 8-digit D.O.B.

Q. When is the National Buying Center open?
A. Our National Buying Center is open Monday – Saturday 9:00 a.m. – 11:00 p.m. EST and on Sunday from 10:00 a.m. – 8:00 p.m. EST.