Sign up with Skopos and make your tough deals easy.
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:
- North Carolina
- South Carolina
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
- 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.