Branded Title/Vehicle Program

Dealers can offer financing to customers even when a branded title/vehicle is involved!1

Westlake Financial’s Branded Title/Vehicle program provides dealers a competitive loan offering for those customers interested in a branded vehicle. The program offers:


Vehicles labeled as salvage, junk, rebuilt, water damage, storm damage, flood, hail damage, lemon or crash test vehicle are all eligible for the branded title/vehicle program.


  • APRs as low as 3.99%
  • Loan terms up to 72 months
  • Dealer Fees as low as $0
  • Down payments as low as $0
  • Fast Funding with E-Contracting²


Dealerships, you can now add Westlake-approved Service Contracts and GAP on Branded Title/Vehicle deals!

Applicable States:

NV, AZ, NE, ID, CO, UT, TX, IA, WA, WI, and KS

Aftermarket Product Acceptance List: 

  • Preferred Warranties Inc
    • Allowed states: NV, AZ, UT, NE, ID, CO, UT, TX
    • Covers branded vehicles except Flood Title, Water Damage, and Hail
  • The Mechanic
    • Allowed states: IA, WI
    • Allows Lemon branded vehicles
  • Gold Standard
    • Allowed state: KS, WA
    • Branded/ re-built title vehicles aren’t covered unless the surcharge is selected and paid. The vehicle will not have electrical benefits if flooded or water damaged.
  • First Mile
    • Allowed states: NV, AZ, UT, NE, ID, CO, UT, TX
  • CNA National
    • Allowed state: AZ

If you would like a VSC Provider reviewed for approval, please share the VSC Provider coverage details with your Westlake Dealer Account Manager.

Ready to finance more customers? Get started now!

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A branded title for a vehicle indicates that the vehicle’s title has been officially designated by a state agency as such. The definition of branded title, however, varies in each state.  Please contact your local Department of Motor Vehicles for more information.

A branded title usually means that a vehicle has sustained damage at some point, which caused the title to be changed from “Clean” to “Branded”.  However, a brand does not define the quality of the vehicle. For example: in the case that a vehicle is involved in an accident and sustains significant damage, it may be considered totaled but then gets completely repaired. Regardless of the improved condition after the incident, the title is permanently branded.

Interested in exploring branded vehicle inventory? DealerCenter’s Auction Run List makes finding the inventory you want easier than ever.

¹Branded Title/Vehicle Program is live on all states excluding New York, Massachusetts, and Puerto Rico. ²Depending on branded title/vehicle, additional printed forms may be required. Contact your rep for additional details.

BMW Dealer Homepage
BMW Dealer Homepage

Benefits of Westlake

  • 24/7/365 Instant Approvals
  • Financing options for all FICO tiers from 0-Prime
  • No minimum income, job time or residence time required
  • Previous bankruptcies and non-Westlake repossessions OK
  • We accept difficult-to-prove incomes!

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