Primary Programs

Primary Consumer Finance Programs (1st Look)

A primary consumer finance program is defined as a financing option that is offered to the customer first (first look) before other finance programs options are presented.  Primary programs offer the most attractive loan terms for consumers and typically have lower dealer fees for merchants but are stringent on credit, only approving customers with good-to-excellent credit. Primary consumer finance programs are an important piece of an overall customer financing program but can only help a portion of the customer base and should be used in conjunction with sub-prime and tertiary programs to maximize sales.

Program Objectives


Attractive Financing Terms
Attractive Terms
A primary consumer finance program should offer debtors attractive terms to incentivize them to make a purchase.
Quick Simple Processing
Quick Simple Processing
The process must be quick and simple or merchants and customers will not use the program.
Decrease Merchant Costs
Decrease Costs
Our primary consumer programs are structured so merchants are not forced to offer costly promotional programs.

No one has more experience, options, or is better to work with than Variant Financial…NO ONE.

Other Programs

Primary Program Basics

Credit Score Required


680 to 850

Loan Sizes



Loan Term


6 to 60 Months

Customer APR*


9.99% to 17.99%

*APR stands for Annual Percentage Rate

Let’s start building your consumer finance program today!

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