Skip to main content


  • Terms up to 96 months
  • Financing any year, make, and model
  • A dedicated, single point of contact for each dealership client
  • 24-hour turn around time for funding
  • Strong advance of up to 145% LTV
  • Over 30 years experience serving dealer clients

Why Axos Bank?

We provide dealerships with the options they need to help their qualified buyers leave with the vehicle they came to buy.

Frequently Asked Questions

Can my dealership use your program?

The retail contract program offered by Axos Dealer Services is presently available to franchised and select independent dealerships in California, Colorado, Arizona, Florida, Georgia, Illinois, Indiana, Nevada, New Mexico, Tennessee, Kentucky, Ohio, North Carolina, and South Carolina. We are expanding so please give us a call.

Are you a full spectrum lender?

No, our singular focus is on a segment of your prime buyers who are well-established, have a solid income and a strong credit history and are seeking a payment or deal structure your traditional finance sources simply don’t accommodate (i.e. extended terms and strong advances on any year or make of vehicle).

What is the loan to value (LTV) maximum?

For your most creditworthy buyer, the maximum LTV is 145% - this number will fluctuate depending on creditworthiness and debt serviceability.

How quickly do you fund a retail contract?

A complete retail contract package is typically funded within 24 hours of receipt.

How do I join the network of Axos Dealer Services dealerships?

Axos Dealer Services employs dealer relationship managers, each of whom is located within their assigned market area, to provide a readily available, knowledgeable, and well-informed resource to our dealership clients. We invite you to speak with one of them to learn how Axos Dealer Services can partner with your dealership to increase vehicle and finance gross with satisfactory service for customers. Visit the Contact Us page for contact information.

What are your underwriting hours?

7AM - 7PM PST Mon-Fri
9AM - 6PM PST Weekends and Most Holidays
Contact us at 855-537-1113