Sign up with Skopos and make your tough deals easy.

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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
  • Nevada
  • 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; subprime credit
  • Bankruptcies: Open Chapter 13, letter from trustee; dismissed/discharged OK
  • Tax ID Programs
  • Other Programs: First-time buyers; previous repossessions OK


  • Income $1,500 minimum
  • Employment & Residence: 6 months with 2-year history
  • Self-Employed/1099: With 2 years tax returns or 3 months bank statements
  • Year model: 7 year maximum
  • Mileage: 120,000 maximum

Deal Structure

  • Term: 72 months maximum on late-model and/or low-mileage vehicles
  • Down Payment: Minimum of 3-10% Cash or Trade equity, maximum 25% rebate applied to down payment
  • Advance Maximum: Up to 130% NADA/KBB Clean Trade +/- adds. Back End Warranty/Gap, Maximum 140%
  • Warranty: $3,000 maximum
  • GAP: $1000 subject to federal and state maximum
  • PTI: 13-18% 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.


Sign up today!