The goal is simple: every customer should know about FlexPass before they reach F&I. The more touchpoints, the higher your penetration.

Tier 1: Do these first

1. Default-on in the first pencil. Plus dual presentation in F&I.

2. Sales manager pre-sells. Before the customer reaches F&I.

3. Add to CRM emails and texts as a 'Why Buy Here'. Intro email or SMS, before they arrive.

4. Info card to every customer. QR links to a 30-second explainer.

5. On the deal checklist. A standard, required step.

Tier 2: Additional visibility

1. Add to your website. Homepage and VDPs - we provide the iframe.

2. Play the 30-second video on showroom TVs. Customers learn about FlexPass while they wait.

3. Mention it in appointment emails. A line in pre-visit confirmations.

4. Hang an "Ask about FlexPass" poster. Sales office or customer-facing areas.

Set your retail price. We recommend $1,250-$1,800, which adds around $20 to a 72-month loan payment or $40 to a 36-month lease payment, for example.

Non-cancellable = no refunds and no chargebacks for dealers.

Hand the info card to every customer to give them the option.

FlexPass isn't just for customers who say they might want out in a year or two. Nearly everyone wants flexibility and a simple way to walk away if their needs or preferences change. And it's not just for those who might be underwater — it's flexibility and peace of mind for everyone.

When you roll negative equity into a lease or loan, it becomes part of what you owe and pays down as you make payments, just like the rest of the lease or loan. At turn-in, you remain responsible for whatever portion of that original negative equity is still unpaid. So the longer you pay down your lease or loan, the less of it is left. If you want the exact method: it's calculated as the same share of your balance it was at the start.

Example: If $4,000 of a $40,000 total amount financed is from prior negative equity (10%), then at turn-in, 10% of the remaining payoff balance is prior negative equity.

For FlexPass purposes, prior negative equity is the amount from your previous vehicle that was added to your new loan or lease balance, after any rebates, incentives, or dealer discounts are applied.

New and Used vehicles model year 2020 and newer (last 6 model years)

Maximum Vehicle Selling Price: $100,000 (before taxes, fees, and add-on products) as shown on the buyer’s order or lease agreement

Maximum loan term: 84 months
Simple interest loans only and no balloon loans.

Maximum lease term: 39 months

Maximum starting mileage at purchase: 60,000 miles

Ineligible Vehicle Types: coupes, convertibles, commercial vehicles, EVs

Passenger Vehicles Only: No cargo vans like the Ford Transit, Ram Promaster, Mercedes Sprinter, heavy-duty pickups like the Ford Super Duty, Ram 3500, or any flatbed/utility upfit. Passenger vehicles registered to a business or used for business purposes are eligible.

Ineligible Makes: Alfa Romeo, Fiat, Jaguar, Land Rover, Maserati, Polestar

Ineligible Models: Audi Hybrids; BMW Hybrids, X7, M; Cadillac Escalade; Dodge Charger; Genesis G90, GV80 Coupe; Infiniti QX60, QX65, QX80; Jeep Wagoneer, Grand Wagoneer; Lincoln Navigator; Mercedes-Benz Hybrids, GLS, AMG; Nissan Armada; Volvo Hybrids, S60, S90, V60

INELIGIBLE VEHICLES WILL NOT RATE IN YOUR MENU. You can do a quick VIN Check here first.

Accident history: No prior frame or unibody damage, airbag deployment, or unrepaired structural issues. Minor, professionally repaired cosmetic accidents are fine.

Prior negative equity must be disclosed to FlexPass at the time of sale and supported by the lease/finance contract, buyer's order, or equivalent deal documentation showing the trade allowance and payoff amount.

Applies to new & used vehicles financed via lease and loan.

Not insurance, a warranty, or a debt cancellation product.

It’s non-cancellable, front-end product. No refunds, no chargebacks.

Dealers typically include it in the Vehicle Selling Price or Gross Cap Cost, or on the accessories line (not Line 5).

The Customer Acknowledgment does not need to be submitted to the lender as FlexPass does not alter the lender's contract rights or lease/loan terms.

When prior negative equity is rolled into the customer's financing, it becomes part of what the customer owes and pays down with their payments, just like the rest of the balance.

At turn-in, the customer remains responsible for whatever portion of that financed amount remains unpaid. They get credit for what they've paid down, so the longer they hold the vehicle, the less remains. It's calculated as the same share of the balance it was at the start.

Any down payment reduces the financed portion of prior negative equity. We only look at what was actually financed, not the amount before the down payment was applied.

We recommend printing these to keep at your desk. It makes handling customer questions quick and seamless.

1. Question: “I plan on keeping the car the full term.”
   Answer: “Perfect — and if you do, nothing changes. FlexPass gives you flexibility and peace of mind if life changes or you want something new.”
   
   

2. Question: “I can just sell the car myself if I need to get out.”
   Answer: “You could, but that’s hassle and risk. But now, you can just hand over the keys and walk away — no resale stress”
   
   

3. Question: “I don’t want a higher payment.”
   Answer: “It’s just a small addition to the payment — about the cost of a takeout meal or a streaming subscription — for flexibility and peace of mind.”
   
   

4. Question: “Why would I need it with an auto loan?”
   Answer: “Most people don’t keep their car for the full loan term. FlexPass gives you the option to walk away anytime after 12 months if life changes or you just want something new, with no stress about resale value.”
   
   

5. Question: “Will they still buy my car if it’s worth less than I owe?”
   Answer: “Yes — FlexPass pays off your remaining loan or lease balance, even if the car is worth less than you owe. The only thing not covered is any leftover negative equity from a previous trade.”
   
   

6. Question: “Is there fine print or a catch?”
   Answer: “No — everything’s laid out in a simple one-page Customer Acknowledgment that I’ll provide to you.”

1) Customer submits notice here

2) Vehicle is inspected

3) The remaining loan or lease balance per program rules (excluding any remaining balance from prior negative equity)

Vehicle Inspection and Condition
At turn-in, the vehicle will go through our standard inspection, the same way leases and trade-ins are evaluated. It must be in clean condition, free of warning lights, and without serious mechanical issues. Normal wear is fine, but excess wear and tear or damage may reduce the buyback amount based on repair costs. The Wear and Tear Guide can be viewed at flexpass.com/wear-and-tear. Recall work and repairs must be completed. The vehicle must also have a clear title (no salvage history, branding, or unresolved liens).

Mileage
There’s no mileage cap. The buyback amount is simply reduced by $0.15 per mile over (a) the prorated lease allowance, or (b) 18,000 miles per year (1,500 per month) for financed vehicles.

Accidents
If the vehicle has an accident on its history report, the buyback amount may be adjusted for diminished value, just like any trade-in. Minor accidents don’t affect buyback eligibility. Only rare, severe damage that makes the car unsafe or unsellable would affect buyback eligibility.

It is activated the same way other third-party products are added to your F&I menu.

Ask your menu provider to add “FlexPass” to your menu with a 3-digit code that we’ll provide you.

Once the request is submitted, the menu provider completes the setup and makes the product selectable.

If your menu provider has questions during setup, We’re happy to coordinate directly and help move things along.

At the beginning of every month, email the finance or lease contracts from the prior month's sales to contracts@getflexpass.com with your dealership name as the subject line.

If customers sign the Customer Acknowledgment through your menu, we already have a copy.

We'll then send you an invoice, payable via ACH or check.