Hi all! I want to start off by introducing myself as I am an extreme NOOB to this forum. I stumbled across it by Google'ing help for auto financing solutions. As my profile states, I have not come remotely close to figuring out financing. I had one finance person whom left for more pay to a franchise, but thats a whole nother story. Before I decided to post my first topic, I tried searching for assistance in the past forums. I didn't come across any lucky, and wasnt really prepared to go through 250 pages that didnt relate to the keyword search. I was previously using AppOne, but am now using dealertrack F&I. I am using another company for both DMS and CRM. My current lenders are as follows: Carvant ( - GARBAGE TO THE MAX!!!!!!!!) Wells Fargo (who is an extreme hit or miss because they have been barely approving anyone for me) Westlake ( - GARBAGE TO THE MINIMUM) I cant seem to get a single person approved. I am not sure what I am doing wrong. To give an example, I couldnt get a customer with 600 credit and $6k down approved for a $18k loan, at any rate. Meanwhile, another dealer with the same car got them approved with Flagship for whatever rate. I literally have no clue what I am doing. I bounced back a few years ago from near shutting doors down. I was in college, fumbling both the dealer and school workload. Through the storm, my brother and I made it through, did over $4 million in gross sales 3 years consecutively, all WITHOUT FINANCING. 2018 was not a good year for us, as we lost a decent amount of money. All I ever heard people say was "YOU GUYS NEED FINANCING!!!!!!" I have spent hundreds of hours scouring dealertrack lender list contacting bank after bank. The ones that we have arent approving, the ones that I want wont sign up. Others want you to use different systems such as Cudle or RouteOne. Its as if I am being tugged in multiple directions. Are there training seminars, web videos, different banks, different solutions that I need to be looking into? How are other dealers that I know approving near ghost customers for $25k cars and I cant get a decent family approved for $18k with $6k down?!?! How can I finance a customer without the lenders trying to take $3k in lender fees from the deal?? Any help would be extremely appreciated. I am at my wits end. Also, what do ya'll think of dealertrack for DMS/contracting etc? I think they offer good mobile solutions from what I have been seeing on their site, but havent made the jump yet. Thanks ladies and gents!