We, at Credit River Capital Inc., understand that the best deal is one where all 3 parties win. The customer gets a good reliable vehicle with reasonable fees and down payment. All the while fixing their credit. The dealer makes a reasonable profit and enjoys a seamless funding process, dealing with courteous and professional funders. Thirdly, Credit River Capital makes a reasonable return for our owners so that they will be around to facilitate these deals for a long time!
Other sub-prime lending companies have inherent flaws. Either the customer pays exorbitant financing fees imposed by the lender, or other programs make it virtually impossible for the dealer to make even a reasonable profit.