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Frequently Asked Questions
Answers to the most common questions dealers ask about partnering with DLR Financial for F&I and retail financing.
Do you charge any document fees?
No. We do not charge any document fees.
Why do other service companies charge fees?
Many service companies use added fees as a way to lower their commission split. Any fee charged to your customer should be your money. Our programs are structured to keep fees transparent and dealer friendly.
How do I get paid?
Proceeds from the unit sale and any F&I revenue generated are deposited to the dealer’s bank account. Shortly after funding, we provide a statement detailing commission, product sales, and remittances to insurance carriers.
Does DLR call my customer?
Yes. We position ourselves as an extension of your dealership’s customer service. Our goal is to help customers understand their financing options, available protections, and feel good about their purchase.
Will I see the profit detail of the unit and F&I?
Yes. Every funded sale includes a statement that clearly breaks out reserve, product, and fee income so you can see the profit generated on each deal.
What is my split of the deal?
Our revenue share programs allow dealers to earn up to the same or higher net F&I profit they are accustomed to, depending on amount financed and mix of products. We review the numbers with you so you know exactly how the split works.
Who remits premiums for sold products to the insurance companies?
We handle remittance for the products we administer. If a product is written through another provider chosen by your dealership, then your team will remit payment per that carrier’s process.
What kind of reports will I get and when do I get them?
Each sale is supported with a detailed profit and accounting statement. We also provide a periodic recap statement itemizing sales and gross profit by unit and F&I.
What do the banks require to get a dealer approved?
Requirements vary by lender, but most look for a clean operating history, a profitable income statement, and a minimum amount of equity. We help you prepare a strong package.
What if my financial statements show losses?
It is still possible to obtain approval with the right explanation and supporting documentation. We work with you to present your dealership accurately to lenders.
How long does it take to get a customer approved?
Depending on the applicant's profile and lender queue, approvals can take anywhere from minutes to a few hours, sometimes in as little as 30 minutes. We keep you updated throughout the process.
How do I know what is happening on a deal?
We communicate at each milestone of the application and funding process so you’re not left wondering where a deal stands.
What products does DLR sell to my customers?
We focus on products that add real value to customers and consistent profit to the dealership, including extended service contracts and GAP coverage.
How do I sign up?
Contact us and we will quickly walk you through the onboarding process, help you complete your dealer package, and prepare lender agreements.