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.

Customers sign a one-page Customer Acknowledgment that explains how the buyback program works, buyback eligibility, that it does not impact the customer’s financing terms, and confirms the dealer has no obligation, risk or responsibility for the buyback.

What we pay for:

• We pay off the remaining lease or loan balance, even if the car is worth less.

Customers are responsible for:

• Missed or deferred payments

• Lender late fees or penalties

• Any remaining balance tied to prior negative equity from a trade-in

The Buyback Amount may be reduced for:

• Mileage overage

• Damage or excess wear and tear

• Diminished value adjustment from an accident

It does not need to be submitted to the lender, as it does not impact loan or lease terms in any way.

The signed acknowledgment serves as the customer’s official confirmation of FlexPass enrollment and benefit. Please make sure they receive a copy.

New and Used vehicles model year 2020 and newer

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: 40 months

Maximum starting mileage at purchase: 60,000 miles

No EVs (hybrids are eligible)

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.

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

Ineligible Makes

• Alfa Romeo

• Fiat

• Jaguar

• Land Rover

• Maserati

• Polestar

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.

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.

For purposes of FlexPass, prior negative equity means the amount added to the customer's new loan or lease balance after application of any rebates, incentives, or dealer discounts.

Customers remain responsible for any remaining lease or loan balance tied to prior negative equity.

It is treated as the same percentage of the balance throughout the term of the financing.

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.

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 30-day notice here

2) Vehicle is inspected

3) We pay off the remaining loan or lease balance (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.

Turn-In Requirements
Turn-in requires 30 days’ notice, a current payoff statement, and a copy of the acknowledgment. The vehicle must be made available for inspection within 3 business days of giving notice and be free of unpaid tickets, tolls, or penalties that could prevent clear title transfer.

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, submit the finance or lease contracts for the prior month's sales using either method:

1. Email — send contracts as attachments to contracts@getflexpass.com with your dealership name as the subject line

2. Upload page — submit directly at our Dealer Upload page

If customers sign the Customer Acknowledgment through your menu, we already have a copy, so only the lease/finance contracts need to be uploaded. We'll then send you an invoice, payable via ACH.