How it works
From delivery to the first payment, in five steps
No paperwork on your desk, no processing for your staff. You hand the customer a card at delivery; BufferLoan makes sure the first payment lands.
You hand the customer a BufferLoan QR card
At delivery, or when the first bill lands. The card carries your dealership’s code, so every application traces back to you.
They scan and apply — about 3 minutes
On their phone: who they are, the vehicle, the lender, the first payment amount, and when it’s due. They authorize us to pay the lender and to draft repayment from their bank account.
We confirm with you and verify
Our staff calls your dealership to confirm they’re your customer and checks New Jersey residency. One quick phone call is the only thing we ever ask of your team.
We pay the first payment to the lender — at 0%
The exact amount goes straight to the lending institution before the payment goes late. The money never passes through the customer or your dealership — the loan stays funded, and there’s no first-payment default to buy back.
They repay in 4 monthly bank drafts
Roughly 30, 60, 90, and 120 days out — the same total we paid, with 0% interest and no fees. If a draft fails, we retry it; it is never billed to your dealership.
You can see who we assisted this month
Your dealership gets a read-only portal with the names of the customers we assisted for you this month — no logins to manage for your staff beyond one account.
See the flow on a real application.
A 20-minute demo walks the customer application, the verification call, and your portal.