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Independent Banking at Its Best

There's a widespread assumption that used-car loans are the preserve of car dealerships and their affiliated lending companies and credit unions. But this California bank has made them a profit center and strong motivation for customers to return for other services, as well as for car loans in the future. They've done it with a carefully tailored program to fit the used-car clientele.

How a bank can stake out the area of used-car loans and continue to be rate-competitive while avoiding the risk of an overload of repossessions is a continuing success story at this bank. The four key creditworthiness factors they look at; what percentage of the vehicle's value (and how they determine that value) they finance; the specific procedures they use to handle delinquencies. . . . (to read the remainder of this article, please log in below.)
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