Texas dealers · CAF point-of-sale financing
Turn more credit-challenged shoppers into deliverable deals.
Add a direct financing path for first-time buyers, no-credit and ghost-credit customers, and eligible deep-subprime profiles. Activate once, then submit through Dealertrack or RouteOne.
Qualifying dealer check
UP TO 130%of KBB with eligible CAF GAP + warranty*
Credit score is not the only part of the story. CAF reviews the complete application, verified income, vehicle, structure, and current program requirements.
Start here
EZ Dealer Activation
Tell us where approvals should be sent and which platform your dealership uses. We will help activate the dealership, then complete the remaining setup when the first approval is ready to contract.
Texas dealership activation information only. CAF makes all final credit and funding decisions.
From form to funded opportunity
A fast activation path that fits your finance desk.
Request activation
Send the dealership, contact, approval-email, platform, and dealer-ID information through the form above.
Get connected
Auto Capital Express coordinates the initial dealership activation for the CAF Texas point-of-sale program.
Submit your customer
Route eligible applications through the Dealertrack or RouteOne account selected during activation.
Complete contracting
When the first approval is ready to contract, the team guides the remaining dealer signup and deal steps.
CAF dealer command center
Approvals, contract status, and every current CAF form—one click away.
Keep the finance desk moving after activation. Open the official CAF Omega portal to check decisions, then download the forms CAF currently publishes for dealer use.
California Auto Finance
CAF Omega Approval Portal
Sign in to CAF's official dealer portal to check approvals 24/7, review contracts in house, and monitor pending stipulations.
Open Approval Portal (opens in a new tab) CAF-issued dealer credentials are required.CAF Forms Library
EN English forms
ES Formularios en español
- Divulgación de GPSDocumento oficial CAF · PDF↗ (se abre en una pestaña nueva)
- Anexo de Exención de DeficienciaDocumento oficial CAF · PDF↗ (se abre en una pestaña nueva)
- Programa de Reparación de DañosDocumento oficial CAF · XLSX↗ (se abre en una pestaña nueva)
- Enmienda de ArbitrajeDocumento oficial CAF · PDF↗ (se abre en una pestaña nueva)
CAF controls these external files and may revise them. Use the version CAF requires for the transaction and jurisdiction, and confirm it is current before contracting. These links are dealer resources—not legal guidance or a statement that every form applies in Texas.
Point-of-sale vehicle eligibility
CAF excluded vehicles—point of sale only.
28 manufacturers
Use this searchable CAF list before submitting a vehicle through the Texas point-of-sale program. It applies only to CAF point-of-sale submissions—not to Auto Capital Express portfolio-purchase eligibility.
75 excluded vehicles shown.
Audi
6- Audi A4
- Audi A5
- Audi A6
- Audi Q3
- Audi Q5
- Audi TT
BMW
3- BMW 4
- BMW 5
- BMW M3
Buick
3- Buick LaCrosse
- Buick Lucerne
- Buick Verano
Cadillac
1- Cadillac DeVille
Chevrolet
6- Chevrolet Commercial Medium
- Chevrolet Cruze
- Chevrolet Impala
- Chevrolet S-10
- Chevrolet Sonic
- Chevrolet Volt
Chrysler
3- Chrysler 200
- Chrysler Aspen
- Chrysler Crossfire
Dodge
2- Dodge Avenger
- Dodge Dart
Ford
6- Ford E-350
- Ford Excursion
- Ford Flex
- Ford Focus
- Ford Taurus
- Ford Wagon
GMC
1- GMC Denali
Hyundai
4- Hyundai Accent
- Hyundai Azera
- Hyundai Ioniq
- Hyundai Veracruz
Infiniti
2- Infiniti EX
- Infiniti JX
Isuzu
2- Isuzu Ascender
- Isuzu NPR
Jaguar
4- Jaguar XE
- Jaguar XF
- Jaguar XJ
- Jaguar XK
Jeep
1- Jeep Patriot
Kia
5- Kia Cadenza
- Kia Optima
- Kia Rio
- Kia Sedona
- Kia Soul
Lexus
1- Lexus LS
Lincoln
3- Lincoln MKX
- Lincoln MKZ
- Lincoln Town
Maserati
1- Maserati Ghibli
Mazda
1- Mazda Mazda5
Mercedes-Benz
2- Mercedes-Benz GLK
- Mercedes-Benz S
Mercury
2- Mercury Mariner
- Mercury Mountaineer
Mitsubishi
1- Mitsubishi Lancer
Nissan
2- Nissan Juke
- Nissan Maxima
Pontiac
2- Pontiac G8
- Pontiac Grand
Porsche
1- Porsche Boxster
Saturn
2- Saturn Outlook
- Saturn Vue
Subaru
3- Subaru Impreza
- Subaru Outback
- Subaru WRX
Volkswagen
5- Volkswagen Atlas
- Volkswagen CC
- Volkswagen GTI
- Volkswagen Routan
- Volkswagen Tiguan
Check the spelling or search by manufacturer.
Important: CAF controls vehicle eligibility and may revise this list. Spelling and capitalization were standardized from the supplied list; ambiguous source labels were preserved. Confirm current eligibility with CAF before contracting.
Activate My DealershipMore buyers in play
A practical path for deals traditional programs may miss.
CAF's current Texas sheet includes first-time buyers, no-credit and ghost-credit customers, eligible shoppers with shorter job time, and self-employed applicants who can document income with bank statements. It is a broader conversation—not a guaranteed approval.
Use the program alongside your current dealer technology and operations resources, and keep building demand with practical dealer lead-generation support.
Expand the credit box
Put more first-time and limited-credit shoppers into a structured lender review.
Stay in your workflow
Choose Dealertrack or RouteOne during activation and submit through the platform your team already uses.
Cover more inventory
Published bands span $4,000-$25,000 financed and multiple vehicle age and mileage profiles.
Add eligible back-end value
The current sheet lists dealer compensation on qualifying CAF/AUL protection products.
Current Texas sheet
Program guidelines at a glance.
These figures summarize the supplied CAF Texas program sheet. Final terms depend on CAF underwriting, verification, the vehicle, documentation, eligible products, and current program rules.
| Amount financed | Maximum term | Vehicle guideline |
|---|---|---|
| $20,000-$25,000 | 66 months | Less than 5 years old and under 75,000 miles |
| $15,000-$19,000 | 54-60 months | Less than 8 years old and under 120,000 miles |
| $10,000-$14,000 | 42-48 months | Less than 10 years old and under 150,000 miles |
| $4,000-$9,000 | 24-36 months | Vehicles more than 10 years old and over 150,000 miles |
The supplied sheet does not define edge cases between the published bands. CAF determines the applicable structure.
Buyer profile guidance
Two published tiers. One clear place to start.
- Prior paid auto loan or “A++ credit,” as stated on the sheet
- Minimum 12 months employment
- Self-employed considered with bank statements
- All W-2 employment listed and verified
- Payment-to-income ratio below 20%, calculated under CAF guidelines
- First-time buyer, no credit, or ghost credit
- Minimum 3 months employment
- All employment listed and verified
- Payment-to-income ratio below 18%, calculated under CAF guidelines
- No qualifying charge-off or repossession in the prior 12 months
Know before you submit
Current published exclusions
The supplied program guide identifies open bankruptcies, current derogatory credit, unlisted or unverifiable employment, job letters, and charge-offs or repossessions within the prior 12 months as outside the stated program. CAF makes all final eligibility and credit decisions.
Eligible back-end opportunity
Add value to the deal—and revenue to the dealership.
The current sheet lists dealer compensation on eligible CAF/AUL warranty and CAF GAP products. Availability, disclosures, customer consent, cancellations, refunds, and compensation remain subject to current product contracts and applicable law.
Finance desk questions
What Texas dealers ask before activation.
Use the answers to decide whether this program belongs in your point-of-sale lineup, then request activation while the opportunity is in front of you.
Activate My DealershipDoes CAF approve every credit score?
No. The program is designed to consider several limited-credit profiles, including first-time, no-credit, ghost-credit, and eligible deep-subprime applicants. Every application remains subject to CAF underwriting, verification, program exclusions, and final approval.
Which vehicles are excluded from the CAF point-of-sale program?
Use the searchable CAF excluded vehicle list on this page. The supplied list contains 75 unique vehicles across 28 manufacturers and applies only to CAF point-of-sale submissions. CAF controls final vehicle eligibility, so confirm the current list before contracting.
How much can my dealership receive?
The supplied program sheet lists a dealer check up to 130% of KBB on qualifying transactions that include eligible CAF GAP and warranty products. Actual dealer proceeds vary by applicant, vehicle, documentation, products, approval, and deal structure.
Can we submit through Dealertrack or RouteOne?
Yes. Select the dealership's platform in the activation form and provide the corresponding Dealertrack or RouteOne dealer ID.
What happens after we request activation?
The dealer support team reviews the dealership information and coordinates initial activation. Once the first approval is ready to contract, the remaining dealer signup and contracting steps are completed.
Is approval or funding guaranteed?
No. Activation does not guarantee approval, funding, a particular APR, term, advance, or dealer proceeds. CAF makes all final credit and funding decisions.
Ready when your next buyer is
Put another financing path on your desk today.
Complete the short activation form, select Dealertrack or RouteOne, and give your team another way to work credit-challenged opportunities.
*Program information and maximums: For licensed Texas motor-vehicle dealers. This page provides dealer program information and is not a consumer credit application, commitment to lend, guarantee of approval or funding, or offer of specific credit terms. All applications and transactions are subject to CAF underwriting, identity and income verification, vehicle eligibility, documentation, product eligibility, and current program requirements. APR, down payment, amount financed, term, LTV, program discount, recourse, dealer proceeds, and product availability vary and may change without notice. California Auto Finance makes all final credit and funding decisions.
Information summarized from the CAF Texas Funding Program and Rate Sheet supplied to Auto Capital Express and reviewed July 30, 2026. Dealers should confirm current terms during activation.
