Instant decisions, flexible terms, and competitive rates.
Financing options for more people than ever.

Unlock Immediate Offers
Authentic rates and payments tailored just for you.

Gentle Credit Inquiry
Shop with peace of mind – our approach won’t affect your credit score.

Preparedness for Your Journey
Grasp your purchase choices to shop confidently.

Effortless Purchase Journey
Comprehensive integrated financial solutions, spanning online shopping to in-store transactions, designed to streamline your dealership experience.

Get Instant Offers

Seamless Customer Checkout A Lender for Every Customer

Unified Application for Diverse Credit Choices
Simplify the process with a single, user-friendly application covering all credit options. Enhance customer satisfaction by minimizing checkout hurdles. Expect increased credit approvals and delighted customers.

Apply and Get Approved Through AFF

Answers to your questions about Financing

Who is eligible for financing?

US residents over the age of 18 who can prove their identity are eligible, but the terms and conditions of the financing will be set by the lender who provided the offers to the customer.

Does checking my financing options affect my credit score?

No. When you complete your credit profile through PayPossible, your credit information is verified by doing a soft credit inquiry – which is engineered to NOT affect your credit score. However, once you select a financing option, a hard credit inquiry will be performed by the lender when finalizing your loan.

What option do you have with no credit / Fresh/ New credit and bad credit ?

American First Finance [AFF] : Whilst there are many in person or over the phone options to get financing solutions , AFF [American First Finance ] offers more of an easy to get approved application .

the only requirements :

SSN or ITIN [YES, ITIN financing made easy]
A physical bank for verification [Note: Prepaid cards like cash app or chime can be used for any payments but you will require a physical bank just for the first time during the time of application]

Is Octane a dealership?

Nope! Octane is not a dealership. We are a finance company founded and staffed by powersports enthusiasts on a mission to make the research and buying process easier! We’ll help you narrow down and select the vehicle of your dreams, get you squared away with financing, and connect you with a dealer to complete the transaction and take delivery.

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Answers to your questions about Financing

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