Call or text(888) 898-1177apply@motenzacapital.com
Apply Now

Motenza In-House Auto Financing

The Vehicle You Want. Financing Built Around the Full Picture.

Traditional auto financing can place too much weight on a single credit profile.

Our in-house automotive program takes a broader approach — evaluating the customer, the vehicle and the overall transaction.

Qualified customers may request consideration for an eligible vehicle they have already found, or work with our automotive team to identify and acquire a vehicle that fits their needs and our underwriting criteria.

Perfect credit is not required.

Every transaction is reviewed individually based on factors that may include the customer, the vehicle, ability to pay, available down payment, insurance eligibility, documentation and overall transaction quality.

Request a Vehicle Review Let Us Find a Vehicle

Program availability, vehicle eligibility and financing terms are reviewed individually. Transaction-specific terms and required disclosures are provided before closing.

A broader review

A Different Approach to Auto Financing

Our program combines vehicle sourcing, transaction review, direct automotive financing and collateral-focused underwriting into one streamlined process.

Rather than relying exclusively on traditional bank underwriting, we evaluate the complete transaction.

That means the vehicle itself matters.

An eligible vehicle must make sense based on its purchase price, market value, condition, mileage, history, title status, expected collateral value and other applicable underwriting criteria.

Not every vehicle will qualify.Not every applicant will qualify.

But a limited or challenged credit history does not automatically prevent a transaction from being considered.

Two ways to begin

Choose the Vehicle — or Let Us Help Find It

There are two ways to begin.

01

Already Found a Vehicle?

Send us the vehicle you are interested in.

It may currently be offered by a licensed dealership, an approved automotive partner, an eligible wholesale source, an auction or another approved acquisition source.

Our team will review the vehicle and proposed acquisition.

For an approved transaction, the applicable licensed automotive provider may acquire the eligible vehicle and subsequently complete the retail sale and financing transaction with the customer.

Request a Vehicle Review
02

Need Help Finding One?

Tell us what you are looking for.

Make. Model. Year. Body style. Features. Approximate budget.

Our automotive team may search available dealer inventory, partner inventory, wholesale channels, auctions and other eligible automotive sources to identify potential options.

Vehicle availability and financing are subject to review and approval.

Find My Vehicle

Collateral matters

Vehicle Eligibility Matters

Approval is not based solely on the customer. The vehicle must also qualify.

We evaluate factors that may include:

  • Current market and wholesale valuation
  • Purchase price
  • Vehicle history
  • Mileage
  • Age
  • Condition
  • Title status
  • Acquisition source
  • Expected collateral value
  • Insurance eligibility
  • Overall transaction structure

A vehicle priced materially above its supported market value may not qualify for financing.

From request to payoff

How It Works

  1. 01

    Tell Us What You Want

    Submit a vehicle you have already located or tell us what type of vehicle you would like our automotive team to help locate.

  2. 02

    Vehicle Review

    We evaluate the proposed vehicle, acquisition source, pricing, supported market value, history, condition, title status and overall collateral profile.

  3. 03

    Customer Review

    We complete an individualized underwriting review. Depending on the transaction, we may request identification, residence information, income or cash-flow documentation, banking information, insurance information and other materials necessary to evaluate the request. Credit history may be considered, but it is not the only factor used in the decision.

  4. 04

    Personalized Transaction Structure

    If the transaction is approved, the customer receives the applicable purchase and financing terms. Down payment requirements, repayment schedule, APR, finance charge, amount financed, payment amounts and other applicable terms vary by transaction and are disclosed before the customer enters into the final retail installment contract.

  5. 05

    Vehicle Acquisition & Closing

    For an approved transaction, MAKS AUTO INC. d/b/a MOTENZA AUTO COLLECTION, as the applicable Florida-licensed Motor Vehicle Retail Installment Seller, completes or coordinates the applicable vehicle acquisition and retail transaction in accordance with the final transaction structure. The required purchase, registration, title, retail installment and lien documentation is completed. The vehicle is registered to the buyer, subject to the applicable lien or security interest securing the retail installment obligation.

  6. 06

    Make Your Payments

    Payments are made to the contract holder identified in the customer's final retail installment contract and payment instructions.

  7. 07

    Payoff & Lien Release

    After all obligations under the retail installment contract are satisfied, the applicable financing lien is released in accordance with applicable law and evidence of lien satisfaction is provided.

Individual review

Credit Challenges Do Not Automatically End the Conversation

A customer is more than a credit score.

Our underwriting process considers the overall transaction rather than relying solely on one traditional credit metric. Customers with limited credit history, prior credit challenges or other circumstances may still be considered.

Approval is never guaranteed and remains subject to underwriting, documentation, vehicle eligibility and final transaction terms.

Prepare for review

What We May Request

Depending on the transaction, applicants may be asked to provide:

  • Valid government-issued identification
  • Valid driver's license
  • Verifiable U.S. residence/address and contact information as applicable to the transaction
  • Information demonstrating ability to make the required payments
  • Income, employment, business or banking documentation where applicable
  • Required down payment
  • Vehicle information
  • Proof of required insurance
  • Additional documentation reasonably necessary to complete underwriting and closing

Requirements vary by applicant, vehicle and transaction.

Required protection

Insurance & Vehicle Protection

Vehicles financed through the program must maintain insurance meeting the requirements of the applicable retail installment contract and applicable law.

Customers may obtain qualifying insurance through an insurer of their choice.

Where required, the applicable secured party must be properly identified as lienholder and/or loss payee so its financial interest in the vehicle is protected while an outstanding secured balance remains.

Required coverage must remain in effect as required by the applicable retail installment contract.

Transaction-specific terms

Built Around the Transaction — Not a One-Size-Fits-All Formula

Every vehicle is different.

Every customer is different.

Every transaction is different.

For that reason, we do not advertise one universal down payment, financing rate, payment amount or repayment period.

Approved customers receive transaction-specific terms and all required financing disclosures before entering into the retail installment contract.

Private inquiry

Tell Us About Your Vehicle Request

Start with the essentials. This is an inquiry—not a completed credit application. Our automotive team will contact you if additional information is needed.

How would you like to begin? *

Vehicle details

Submitting this form is an inquiry only and does not constitute a completed credit application, credit approval, commitment to extend credit, or guarantee that a vehicle will be acquired or financed.

Clear answers

Frequently Asked Questions

Do I need perfect credit?

No.

Perfect credit is not required.

Credit history may be reviewed, but approval is based on the overall application and transaction.

Other factors may include ability to pay, documentation, available down payment, vehicle eligibility, collateral value and transaction structure.

Approval is not guaranteed.

Can I choose any vehicle?

You may request almost any vehicle for consideration, but not every vehicle will qualify.

The vehicle must meet applicable pricing, value, title, history, condition, mileage, insurance, acquisition and collateral requirements.

Can you finance a vehicle I found at another dealership?

Potentially.

Send us the vehicle information or listing.

Our team will review the vehicle, seller, proposed acquisition terms, title information and valuation.

If the transaction is approved, the applicable licensed automotive provider may acquire the eligible vehicle and then complete the retail sale and financing transaction with the customer.

Can you find a vehicle for me?

Yes.

Tell us what you are looking for and our automotive team may identify potential vehicles through available dealer inventory, partner sources, wholesale channels, auctions and other approved automotive sources.

Vehicle availability and financing are not guaranteed.

How much down payment will I need?

Down payment requirements vary based on the vehicle, acquisition cost, applicant profile, transaction structure and underwriting decision.

The applicable requirement will be presented as part of the approved transaction terms.

What interest rate or financing terms will I receive?

Financing terms are determined individually.

If approved, the applicable APR, finance charge, amount financed, payment schedule, total of payments and other required information will be disclosed before execution of the retail installment contract.

Who owns the vehicle while I am making payments?

The buyer is the registered owner of the vehicle, subject to the applicable lien or security interest securing the retail installment obligation.

Who do I make payments to?

Payments are made to the contract holder identified in the customer's retail installment contract and payment instructions.

What happens after I pay the vehicle off?

After all obligations under the retail installment contract are satisfied, the financing lien is released in accordance with applicable law and evidence of lien satisfaction is provided.

Can I apply with an out-of-state driver's license?

A valid driver's license and appropriate identification may be considered as part of the review.

Eligibility also depends on the location of the customer, vehicle, registration, transaction and other applicable requirements.

An out-of-state license does not by itself guarantee or disqualify a transaction.

Your next vehicle

Start With the Vehicle

Already know what you want? Send us the vehicle.

Not sure yet? Tell us what you are looking for and let our automotive team help identify potential options.

Request a Vehicle Review Find My Vehicle

Program information

Important Program Disclosure

Motenza Capital is not a bank or depository institution.

Consumer automotive retail installment financing offered through this program is separate from Motenza Capital's commercial and business-purpose capital platform.

Automotive retail installment sales and financing under this program are offered through MAKS AUTO INC. d/b/a MOTENZA AUTO COLLECTION, a Florida-licensed Motor Vehicle Retail Installment Seller.

The applicable vehicle sale, retail installment contract, financing, lien documentation, servicing and related transaction responsibilities will be identified in the customer's final transaction documents.

Availability is subject to applicant eligibility, vehicle eligibility, underwriting, documentation, insurance requirements, transaction structure, capital availability and applicable law.

Submission of an inquiry does not constitute credit approval, a commitment to extend credit, or a guarantee that any vehicle will be acquired or financed.

Financing terms are transaction-specific. All applicable terms and required financing disclosures will be provided before execution of the retail installment contract.

This program is currently intended for eligible Florida transactions. Transactions involving out-of-state residents, vehicle locations, registrations or other interstate elements may require additional review and may not be eligible.