F&I

    Sub-Prime

    Sub-prime customers have credit scores typically below 620 and require specialized lenders, structured deals, and more careful F&I product selection.

    What it means on the floor

    Sub-prime is a meaningful profit center for dealers willing to learn it — both in vehicle gross and back-end product penetration. Sub-prime customers buy more F&I products on average because monthly affordability and protection genuinely matter to them.

    Related terms

    F&I (Finance & Insurance)Compliance (F&I)

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