In today’s market, every approval counts. When you’re working with credit-challenged customers, you know the difficulties — limited options, tough approvals, and deals that can fall apart at the finish line. But there’s a sweet spot between subprime and prime where financing gets easier, terms get better, and customers drive away happier.
That’s where UACC’s Subprime+ Program comes in — a powerful way to expand your reach and close more deals.
What Is the Subprime+ Program?
UACC’s Subprime+ Program is designed for customers with stronger credit profiles who may not yet qualify for prime rates. These buyers deserve more competitive terms than traditional subprime — and with this program, you can deliver just that.
With longer terms, lower rates, and flexible structures, Subprime+ helps your dealership compete with banks and credit unions while maintaining the speed and service you expect from UACC.
Why It Matters for Dealers
The Subprime+ Program gives you more room to win deals that might otherwise walk out the door. It’s ideal for those “in-between” customers — not quite prime, but clearly stronger than your typical subprime profile.
By offering better-qualified customers more favorable structures, you keep deals on your lot and strengthen long-term relationships.
Who It’s For
This program isn’t built for first-time buyers, but it’s a strong fit for customers with established credit histories — even if their standard credit score doesn’t tell the full story. Applicants with improving or resilient auto credit histories can still qualify under Subprime+ guidelines.
The Bottom Line
Subprime+ gives dealers the flexibility to say “yes” more often — turning borderline approvals into opportunities. It helps you compete, close, and keep customers happy in a competitive lending environment.
Ready to see what Subprime+ can do for your dealership?
Submit your next deal through our Dealer Portal and see how UACC can help you turn “maybes” into approvals.
Not yet a UACC Partner?
Join our dealer network and get access to programs that help you compete, close, and grow.
Disclosures
- UACC stands for United Auto Credit Corporation.
- Terms and availability are subject to UACC’s credit and underwriting standards.
- All finance programs are subject to credit approval and may not be available in all states. Terms, rates, and amounts shown are examples and may vary based on application qualifications and applicable law.
- The information in this blog is for general educational purposes only and does not constitute legal, credit, or financial advice. Product availability, rates, and terms are subject to change and may vary based on UACC’s internal credit and underwriting standards and applicable requirements.
