Once the credit application is received by Vantage, one of our finance professionals will review the applicant’s information and credit report. Our representative interviews the applicant to better understand their credit history and verify their credit application information. Once the lender decisions the application, the decision will be conveyed to the dealer through our system and via telephone. Once terms are accepted by the dealer and customer, Vantage prepares all required forms and reviews all contract information with the buyer and co-buyer. In this review, Vantage presents extended service agreement, GAP and tire and wheel options. (Vantage pays the dealer 50% of all back end products sold.) After the customer signs all paperwork, the dealer collects all required stips and remits the loan package to Vantage. Vantage processes the loan package the same day it is received. This process includes employment verification and stip review. The package is remitted to the lender and booked. Vantage contacts the dealer to advise the loan is booked. Funds are transmitted via ACH to the dealer as soon as the state is able to verify the title was issued to the new lienholder.