Why DefaultShield?
DefaultShield Makes Loans Safer for Everyone
Whether you're a financial institution seeking to reach new markets or a consumer in need of a second chance, DefaultShield™ bridges the gap between opportunity and security.Join the new standard in auto lending.
DefaultShield Benefits for Lenders:
​Insured Loan Loss Protection – Covers defaulted loan balance, including repo and auction fees.
Expand Your Market – Confidently lend to underserved borrowers with low down payments and no co-signers.
Lower Reserves, Higher Returns – Reduce charge-offs and reserve requirements, while maintaining yield.
Flexible Integration – Works with your current underwriting standards and risk thresholds.
DefaultShield Benefits for Consumers:
No Co-Signer Needed – Get approved based on your own merit.
Lower Down Payments – As low as $500 down makes vehicle ownership achievable.
Better Quality Vehicles, Lower Rates. Affordable protection, and monthly manageable payments.
Credit Building Opportunity – A path to rebuild or establish strong credit with a trusted lender.
DefaultShield Benefits for Dealers:
Faster Approvals – Close deals with customers who would traditionally be denied.
More Inventory Turnover – Sell newer vehicles with better protection and lower friction.
Control Your Profits – Keep your GAP and VSC back-end products; no forced bundling.
Better Lending Partnerships – Work with credit unions and lenders that are on your side.
