Sign up with Skopos and make your tough deals easy.

Sign up today!

Ready to send your next tough deal to Skopos? Our process to enroll dealers is super-fast and completely electronic.

We are currently working with franchise dealerships in the following states:

  • Alabama
  • Arizona
  • Colorado
  • Florida
  • Georgia
  • Illinois
  • Indiana
  • Kentucky
  • Maryland
  • Michigan
  • Missouri
  • North Carolina
  • Ohio
  • Oklahoma
  • South Carolina
  • Tennessee
  • Texas
  • Virginia
  • West Virginia

We plan to operate nationwide, and new states are added every month.

Skopos provides funding for the following types of deals:


  • FICO: No minimum; deep subprime credit
  • Bankruptcies: Open Chapter 13, letter from trustee; dismissed/discharged OK
  • Tax ID Programs.
  • Other Programs: Frist-time buyers; previous repossessions OK


  • Income $1,850 minimum
  • Employment & Residence: 6 months with 2-year history
  • Self-Employed/1099: With 2 years tax returns or 3 months bank statements
  • Co-Signer: Must reside at the same residence


  • Year model: 7 year maximum
  • Mileage: 100,000 maximum

Deal Structure

  • Loan Amounts: up to $25,000
  • Term: 72 months maximum on late-model and/or low-mileage vehicles
  • Down Payment: Minimum of 10% or $2,000 Cash/Trade ACV, maximum 25% rebate applied to down payment
  • Advance Maximum: Up to 120% NADA Clean Trade or KBB Wholesale+/- adds, + Warranty/Gap, Maximum 130%
  • Warranty: $2,000 maximum
  • GAP: $800 subject to federal and state maximum
  • PTI: 15% maximum
  • Maximum APR usury for your state, up to 24.9%

With Skopos, you'll receive a prime experience for those tough, deep subprime deals. That means fast underwriting, fast approvals and fast funding even with your most credit-challenged customers. We'll take applicants with no credit score, low credit score, previous bankruptcy, repossession or foreclosure.

Try Skopos today ... or see more reasons why you should!

Still have questions? Browse our dealer FAQs or contact our sales team for more information.