Dealer FAQs

How long does it take SAFCO to fund a deal?

If the contract package contains all of the necessary documents required for funding, typically the dealer will see a “funded” status in Dealer Track or Route One, within 48 hours. Incomplete contract packages will delay the funding. Clean deals often fund the same day. For ease of reference, please see our Standard Stip Checklist.

What is the maximum loan from SAFCO?

The maximum loan amount is $24,000.

What is the down payment requirement?

SAFCO requires a minimum cash down payment of $1,000.00.

Does SAFCO finance customers without an SSN?

Yes, we do. We realize that many customers, who are here on a work visa or without proper documentation, still deserve an opportunity to obtain financing. We strive to give them that opportunity.

Does SAFCO have a FICO requirement?

No, we don’t. We realize that bad things happen to good people. Whether the customer is just starting out and has no credit, or if they’ve had a few bumps in the road, SAFCO has a program for them.

What if my customer is past due on their mortgage? Or, if they’re doing a loan modification or just became past due, can SAFCO help?

Yes, we can. We look at the total profile of the customer when we make our underwriting decision. Every SAFCO deal is looked at individually.

What if my customer does not receive a paystub? Can I still help them?

Yes, you can. The majority of our customers do have a traditional proof of income, such as a YTD pay stub. However, we also accept unconventional proof of income, such as bank statements and/or cancelled checks. Each customer is reviewed on a case-by-case basis.

How do I obtain a payoff quote?

Payoff information is updated daily on both Dealertrack and Route One.  Alternatively, payoff quotes can be obtained by calling 1-800-599-8858 and selecting option #2.  You will need the Customer’s (9) digit account number and (8) digit D.O.B.

What are the hours of operation for the National Buying Center?

The National Buying Center is open Monday – Saturday 9:00 a.m. – 11:00 p.m. EST and on Sunday from 10:00 a.m. – 8:00 p.m. EST.


To become a SAFCO Dealer, simply click on Dealer Request Form and join the family of satisfied SAFCO Dealer Partners today.

More questions? Please don’t hesitate to reach out to


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