Why Sensible

Sell More Cars with Sensible!

Used car sales have always been competitive. To stand out in a crowded marketplace, car dealers need a true competitive advantage. Sensible Auto can help you be the dealership of choice for credit-challenged customers.

You’ll sell more cars and make more money.

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Instant Approval Makes It Easy To Say Yes!

When someone has credit challenges, they’re often very wary when it comes to financial issues. Our Instant Approval process is simple and straightforward, capturing essential information without intimidating would-be car buyers. The result: you sell more cars!

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Proven Total Account Management

Once we’ve agreed to work with a car buyer, we handle every aspect of managing their account. Our online payment portal makes life easy for car buyers, and we have a highly trained support staff that works with buyers to help them rebuild their credit.

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Pay for Performance Compensation Model Means You Make More Money

We recognize the effort it takes to attract car buyers and close the deal. Our merit based payment structure means that the more cars you sell, and the better their loans perform, the more money you make. We’ve found this type of incentive works really well for dealers who are committed to building their business!

Frequently Asked Questions

How does Sensible help me sell more cars?

With Instant Approval available for most customers, you can serve the credit challenged customers in your market that have no other viable avenue to auto ownership. Being able to say "Yes" brings more buyers to your business.

What customers do not qualify for credit approval?

Sensible Finance makes credit approval available for most customers. This provides you, as the dealer, with many additional opportunities to deliver vehicles.

How long after making the sale do I receive my funding?

As the dealer, you have some control over when you’ll receive your funding. A complete contract package that meets our policy and legal requirements is necessary for funding. On average, we fund within three business days of receiving a complete contract package. Electronic funds transfer is available to make your funds available in the shortest amount of time possible.

How can I obtain a payoff for a current customer of Sensible Auto?

You can receive a payoff by calling us or you may go to the Contact Us portion of this website and make an inquiry to Payoffs.

Is Sensible Auto Finance signing up new dealers?

Sensible Auto Finance is actively looking to sign on reputable dealer-partners in the markets we serve. Sensible Auto Finance does business with both franchise and independent dealers.

In which states does Sensible do business?

We are currently doing business with dealers in Connecticut, Florida, Georgia, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, Ohio, Pennsylvania, and Rhode Island. We have several states under review at this time, and we recommend checking back to this site for information in the future.

How do I start selling more cars with Sensible?

To work with Sensible, begin by filling out a dealer profile sheet. We also need a copy of the current dealer license. At that point, further instructions will be provided via email. Most dealers are signed up within 24 hours of the initial contact.

I'd like to see the dealer agreement first, please.

Of course! You can have a copy of the Sensible Dealer Agreement sent to you by clicking here.

Can I have a copy of your rate sheet?

Please click here to have a copy of the rate sheet sent to you.

Does Sensible have a Fair Lending Policy?

Yes.  Compliance with all applicable federal and state rules and regulations is of utmost importance to Sensible.  Sensible has a Fair Lending Policy and it is attached here.

Dealership Employees

Sensible does not finance loans for dealership employees. 

Ready To Get Started?

We’re actively seeking committed auto dealerships who want to grow their businesses.

If that’s you, click here.

The application’s quick and simple, and we’ll get back to you right away.