The “Second Chance” auto loan industry is riddled with bad actors whose goal is to make each loan as profitable as possible regardless of the possible consequences to their customers.  Our founders are local businessmen with family ties to the auto industry.  They would hear horror stories about lenders taking advantage of customers by tricking them into Christmas cash incentives that would result in a year or more being added to their loans.  Lenders would treat their customers like cattle being herded through the process to capitalize on.  They discovered there was an opportunity to enter the market and raise the bar by introducing a whole new way to do business as a second chance auto lender.