What credit scores does Westlake approve?

Westlake specializes in subprime (500-650 range) and works with bankruptcies, repos, and first-time buyers. Specific programs change—contact Westlake directly for current guidelines. But if traditional banks say no, Westlake is often a yes.

Do I need to be enrolled with Westlake first?

Yes. You need an active Westlake dealer account. If you're not enrolled yet, we can introduce you—Westlake is actively seeking independent dealers. Enrollment typically takes 3-5 business days.

How fast does Westlake fund?

For deals with clean stips submitted by 3 PM, same-day funding is common. Most deals fund within 24-48 hours. The cleaner your paperwork (which Dealer Essential helps with), the faster you get paid.

Do all Westlake deals require GPS?

Not all, but many deep subprime deals do. Westlake will specify in the approval. Dealer Essential tracks GPS installation and helps you submit the required proof. We even integrate with popular GPS vendors.

Can I see my Westlake portfolio performance?

Yes. Dealer Essential shows your Westlake funding history, average advance rates, and chargebacks. Know exactly how your subprime portfolio is performing.

What if the customer is missing income documentation?

Westlake has programs for bank statement income verification and other alternatives. Submit what you have—Dealer Essential shows you exactly what Westlake needs to complete the deal.

Is Westlake good for BHPH dealers transitioning to retail?

Excellent. Many BHPH dealers use Westlake for customers who qualify for indirect financing. Keep the BHPH customers on your portfolio, send the better credits to Westlake. Best of both worlds.

How does this compare to using Westlake's own portal?

Same lender, faster workflow. The portal requires manual data entry and separate login. Dealer Essential submits directly via API—no re-keying, fewer errors, stips managed in your main dashboard. Dealers using the integration average 40% faster deal completion.

Subprime Specialist

•11,000+ dealers trust Westlake for subprime

Westlake Financial Integration for Subprime Dealers

Submit subprime credit applications to Westlake Financial directly from your DMS. Dealer Essential's Westlake integration handles customers with 500-600 credit scores—get approvals in minutes, not hours, and fund deals the same day.

Seconds

to submit

Real-time

decisions

Secure

PCI compliant

Westlake Financial integration with Dealer Essential

10k+

Apps Submitted

<2 min

Avg Decision Time

92%

Approval Rate

500+

Dealers Connected

From Credit App to Funded in Minutes

See how seamless financing becomes with Westlake Financial

Step 1: Start Credit App

30 sec

Step 1

Start Credit App

Pull up customer info from your CRM or enter new details. Everything auto-populates.

1 click

Step 2

Submit to Westlake Financial

One click sends the application securely. No separate portal, no re-entering data.

< 60 sec

Step 3

Get Decision

Real-time response appears in your dashboard. Conditional? See exactly what's needed.

Same day

Step 4

Close the Deal

Funding docs auto-generate. Customer signs, deal funds. That's it.

Swipe to explore steps →

Why Westlake Financial + Dealer Essential

Streamline your financing workflow and fund deals faster

Direct integration—no portal login needed

Decisions back in minutes

Stip upload from phone or desktop

GPS installation tracking built in

Same-day funding on clean deals

Enterprise-Grade Security

Your customer data is protected by the same standards banks use

Bank-Level Security

256-bit encryption for all data

PCI Compliant

Level 1 PCI DSS certified

SOC 2 Type II

Audited security controls

FCRA Compliant

Consumer credit protection

What Dealers Say

Darnell Jackson

Second Chance Motors, Atlanta GA

“Westlake is my bread and butter—60% of my deals. Before Dealer Essential, I spent an hour per deal on stips and portal work. Now? 10 minutes. And they fund faster because my paperwork is cleaner. More deals, less hassle.”

50 min saved per deal

Results

35 subprime/month

Monthly Volume