VLS is an automotive finance company, specializing in subprime and prime auto loans generated through automobile dealers, nationwide. VLS has set up strategic alliances with certain lead generators
like LiveCheck™, TriggerMail™, CreditLink™, and BOL™ to combine leads generation, loan approval and funding, in an automated process for dealer convenience and maximum profitability.

Please call 888-288-6624 for more information.

VLS Subprime Program Guidelines

PROGRAM HIGHLIGHTS:
- No minimum Credit Score
- First time buyer program
- BK and Repos allowed  

Applicant Requirements:
-Minimum individual income $1300 or $2000 joint income
-Applicant must have 6 months at current residence and 5 year history
-Applicant must have 6 months at current employer and 5 year history

 Disqualifiers:
- Multiple BKs
- Open BKs
- More than 2 bad autos (more than one is on a case to case basis)
- 10 or more derogatory trades in the last 3 years
- More than $2500 in tax liens in the last year
- No multiple Autos
- No positive credit

First time Buyer Program:  
- Loan amount must be at under $15,000 to qualify
- Applicant must put at least 20% down

Vehicle Requirements:
- Vehicle must be under 200,000 miles (vehicles over 150,000 miles on a case to case basis)
- Vehicle Must be less than 10 years old

Preferred Vehicles (Lowest fees)
Hondas – Toyotas – Nissan - Domestic Trucks and SUVs

 Discouraged Vehicles (Higher fees)
BMWs – Volvos – Mercedes – Luxury SUVs