A risk management program applied to C&D; tier loans to grow auto loans/finance income and improve yield/revenue. The program significantly reduces charge offs on defaulted loans by purchasing repossessed vehicles at higher values than auctions. To further reduce deficiency balances, LOC also provides a principal balance reduction payment.

A lease look-alike program that enables lenders to compete with dealers' leases. The program provides borrowers with low monthly payments based on LOC's residual values for vehicles. At the termination of the loan, borrowers have the option to pay off the loan, refinance the loan, or turn-in the vehicle for purchase by LOC.