Finance more of the buyers on your Ocean County lot
Brick is one of the Jersey Shore’s largest townships, a market that mixes retirees, fixed-income buyers, and working families. Champion Auto Finance gives your dealership a single point of access to lenders across every credit tier — so more of the customers who walk on drive off financed.
The Brick used-car market
A large shore township where retirees, fixed-income buyers, and young families all shop the same lots.
Brick Township is one of the most populous municipalities in Ocean County, anchoring a stretch of the Jersey Shore between Toms River and Point Pleasant. Its buyer base is distinctive: a large share of retirees and fixed-income residents shop alongside working families and younger first-time buyers, and the mix runs across the credit spectrum. Independent lots along Route 70, Route 88, and the corridors feeding the Garden State Parkway compete for all of them, plus shoppers coming in from Lakewood and the surrounding Ocean County towns. A retiree on fixed income and a young buyer with a thin file can both stall a single prime bank. The dealer who can finance across the whole range keeps the sale; the one who cannot loses it down the highway.
The core idea: instead of chasing bank lines one at a time, you get one point of access to prime, near-prime, and subprime lenders through Champion Auto Finance — matched to the buyer in front of you.
Why Brick dealers work with us
Built for a mixed shore market
Retirees, fixed-income buyers, and young families in one township means credit-diverse buyers. One partner covers the range.
Fast approvals
Deals route to multiple lenders at once, so decisions come back quickly and buyers stay on your lot.
Every credit tier
Prime, near-prime, and subprime coverage so a declined buyer isn’t automatically a lost sale.
Stipulation support
We help verify income, residence, and insurance so shore deals fund cleanly and don’t get kicked back.
How a Brick deal flows through us
- Submit the deal Send us the buyer, the vehicle, and the structure through your dealer access point.
- We match lenders Your deal is routed to the lenders across the tiers most likely to approve it on strong terms.
- Approval comes back You receive decisions and structure options, often the same or next business day.
- Clear the stipulations We help assemble proof of income, residence, and insurance so nothing stalls at funding.
- Get funded The lender funds, CAFS tracks the deal through, and you get paid — with the spread and fees disclosed in the structure.
One partner instead of a shelf of banks
Franchise stores lean on a captive lender; the independent lots across Ocean County rarely have that luxury. Our dealer financing program is built for the used-car dealership that wants to offer competitive financing without becoming a bank-relations department. If you are weighing whether a partner fits your store, the deeper guide on dealer financing for independent dealers lays out the problem and the fix. We route retail deals, clear stipulations, and help you fund — nothing more, always as a licensed partner rather than a lender.
More approvals
Reach shore buyers across the credit spectrum, not just the top tier.
Less overhead
One partner, one process — no stack of separate bank agreements to service.
Cleaner funding
Stipulation support up front means fewer kickbacks and faster payment.
Frequently asked questions
Why do Brick used-car dealers need a financing partner?
Brick is one of Ocean County’s largest townships, a Jersey Shore market that mixes retirees and fixed-income buyers with working families and younger first-time customers. The buyers on your lot span every credit profile. Keeping direct lines with enough lenders to approve all of them is slow and costly. Champion Auto Finance gives your store one point of access to a lender network across every tier, so you can approve more of the customers who shop the Route 70 and Route 88 corridors.
What credit tiers can you place for a Brick dealership?
We work with lenders spanning prime, near-prime, and subprime tiers. In a shore market that includes fixed-income retirees alongside working families, that range matters — a single decline should not end the sale. Every approval, rate, and term stays subject to each lender’s underwriting.
How fast can approvals come back in Brick?
Because a submitted deal routes to several suitable lenders at once, decisions often come back the same or next business day. Speed depends on deal completeness and lender response times, but the goal is to keep buyers on your lot instead of losing them to a competitor in Toms River or Point Pleasant.
Do you help with stipulations and funding?
Yes. We help you assemble a clean, fundable deal — verifying proof of income, residence, and insurance — so approvals are less likely to stall or get kicked back at funding. For a busy shore lot, cutting the funding back-and-forth protects your cash flow.
How does Champion Auto Finance get paid?
CAFS earns a spread or fee on funded deals, disclosed within the deal structure. We are a licensed financing partner, not a lender, and our incentive is to fund clean Brick deals efficiently for your store.
Do I need my own bank relationships to work with you?
No. Instead of qualifying for and servicing separate agreements with multiple banks, you work with Champion Auto Finance as a single partner and we bring the lender network to your Brick dealership.
Become a Champion dealer partner
Get one point of access to lenders across every credit tier — faster approvals, stipulation support, and funding. Reach out to get set up.
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