Path to Ownership
Our Mission: We are passionate about helping the dedicated and underserved rideshare renter become a vehicle owner.
The Opportunity
There are approximately 1.9 million rental drivers in the gig economy. 93% of those renters want to own a car but are stuck in a rental cycle paying ~$500/week.
How ACC Works
We use 10+ years of data & AI to underwrite without FICO dependence. We accept rental history & gig earnings as proof of ability to pay.
Program Terms
- Structure: 156-week term (Weekly Payments).
- Down Payment: 5% Minimum (Cash or Rebates).
- Max Finance: $50,000.
Who is the Customer?
Our program is tailored for a customer franchise dealers normally do not serve.
Target Profile
- Full-time gig drivers (Uber, Lyft, DoorDash, etc.).
- Part-time gig drivers with secondary income.
- Must have 6+ months rental history.
Credit & Habits
- Challenged credit profile - FICO is not a primary factor.
- Accustomed to weekly payments ($500/week rent).
- Eager to re-establish credit ownership.
Why they buy from you
"Just a few simple steps with ACC and now I can own a car for the first time." - Yogi C., DoorDash Driver.
📂 Essential Documents
Customer Marketing FlyerSales Process
Follow these steps for a clean deal ready for finance.
| Step | Action | Detail |
|---|---|---|
| 1 | Proof of Income | Confirm gig income with ACC; verify 'other income' via pay stub. |
| 2 | Verify Rental History | Collect contracts/bank statements showing 6+ months rental history. |
| 3 | Land on a Car | Select vehicle under 3 Model Years old & 30k miles. |
| 4 | Credit App | Complete in-store app matching PQR income details. |
| 6 | Back-end Protection | Offer Livery/Commercial use products only (Gap, Warranty). |
| 7 | Submit | RouteOne/DealerTrack as monthly payment (include PQR app ID). |
| 9 | Insurance | Obtain personal policy with 'rideshare endorsement', < $1,500 deductible. |
Stipulations & Funding
1. Proof of Income
| Type | Gig Economy Earnings | Secondary Job Income |
|---|---|---|
| Definition | Rideshare/Delivery earnings | Verified employer income |
| Timeframe | 6 months earnings history | 6 months with verified employer |
| Verification | ACC verifies digitally | Dealer collects current Paystub/W2 |
2. Rental History & Insurance
Rental History
Requirement: Proof of at least 6 months rental payments.
Acceptable Proof: Signed rental contracts or bank statements showing payments.
Not Accepted: Contracts without dates or payment amounts.
Insurance
Requirement: Bound personal policy to take delivery.
Specifics: Must have Rideshare Endorsement & Max $1,500 deductible.
Not Accepted: Commercial policy or policy without rideshare endorsement.
Funding Checklist
Ensure Loan-to-Value does not exceed 140%. First payment no later than 21 days from signing. Scan/email funding pack to funding@accconsumer.com.
📂 Essential Documents
Funding Checklist PDFDealer Portal Guide
The ACC Dealer Portal provides visibility into your customers, pre-approval terms, and stipulations.
1. Applications View (Dashboard)
When you log in, you will see your store's applications. This view includes:
- App ID & Customer Name: Quickly identify the prospect.
- Customer Contact: Phone number and email.
- Plaid Status: Indicates if the customer has successfully synced their gig bank account (Y/N).
- Status: Shows if the deal is Approved or Pending.
- Action Button: Click "View" to open the full details.
2. Application Details (Inside the Deal)
Clicking "View" opens the full decision summary. Here is what you need to review:
| Section | What to verify |
|---|---|
| Income | Monthly Income: This is the Gig earnings verified by ACC. Other Gross Income: Supplemental income (W2) that you must verify via paystub. |
| History | Drive Months: Total time earning in the gig economy. Rent Months: Total verified rental history (must be 6+ months). |
| Expenses | Weekly Rent: The customer's existing weekly rental payment obligation. |
| Decision Summary | Max Amount Financed: The cap on the loan. Weekly Payment: The approved payment amount. Rate/Term: The APR and Term length. |
| Stipulations | A specific list of items (like Proof of Residence, Insurance, etc.) to gather prior to funding. |
Customer Journey Refresher
- Apply: Customer submits Pre-Qualification Request (PQR) via your unique dealer link.
- Decision: Emailed within minutes.
- Lead Gen: Lead appears in your CRM and Dealer Portal.
- ACC Validation: ACC helps verify Gig income digitally.
Contact & Support
Dealer Support
For help with funding or applications:
Email: funding@accconsumer.com
Website: accconsumer.com
Training Resources
We educate all stakeholders on the unique ACC process: Salespeople, Desk Managers, & Finance Personnel. Please see our Dealer Training Module for step by step instructions.
Visit our YouTube Channel @ACCConsumer for testimonials.
For a full list of contacts and FAQs, please see our FAQ page in the Dealer Training Module.