Westlake’s goal is to provide our independent dealers with the level of support, technology and financing flexibility long available to franchise dealerships. We understand the challenges that can face independent dealers when trying to find financing for their customers.

The Westlake Buy Program™

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Westlake dealers gain access to our powerful Buy Program™ software. It can be accessed online via Nowcom's Dealer Center® website or as a standalone software installed as part of Nowcom's Dealer Desktop® DMS software.

The Buy Program™ helps independent dealers by offering a level of control not found anywhere else. The dealer can manually input a customer’s credit information into the Buy Program™ along with the vehicle information (the software automatically “reads” the credit report and enters this information if the credit report is run through us. Then, all the dealer has to do is manipulate the car price, loan term, and customer down payment to get an instant approval. As long as the bottom of the screen blinks “Yes” to the deal structure and “Yes” to the amount financed, the deal is approved! That’s why Westlake is known as the “Yes! Yes! Lender”™.

The great thing about our program is that everything is done electronically using our patented software, and all three programs are built right in. When the dealer starts a new deal, our Buy Program™ automatically evaluates it and places it in the proper finance program: Platinum first, then Preferred, and finally our flagship Standard program (giving tips along the way, i.e., “Ask the customer for $500 more down payment to make this a Preferred deal with lower APR and discount!”). We call this automatic tier-filtering “the waterfall effect^SM” ” and it’s designed to help dealers structure the smartest and most profitable deal benefitting both the dealership and the customer.

• For tough-to-finance customers, our Standard program provides dealerships with maximum flexibility:
• No age or mileage limits on vehicles
• No minimum customer income requirements
• No minimum FICO score


• Our Preferred program is perfect for customers with blemished, but established, credit-history:
• No minimum FICO score
• No Open "Derogs"
• BK is OK


• The Platinum program offers better-credit customers with competitive rates and dealerships with lower discounts and less “stips” to collect:
• APR's as low as 10%
• Minimum 635 FICO
• 1 Repo is OK

For additional questions or contact information, please visit our FAQ or CONTACT US page.