Chosen Finance uses AI-driven underwriting to approve loans based on what actually matters: your income and ability to pay. Not a three-digit score that ignores your reality.
29.5 million people in the US use ITINs. Most banks won't even look at their applications. Those who do charge rates starting at 23.95% or higher.
Traditional banks analyze 30 data points and let a credit score make the decision. That single number doesn't reflect someone's actual ability to repay a loan.
When declined, consumers turn to BHPH lots. They pay 25-30% interest on unreliable vehicles, creating more financial hardship, not less.
Walk into any Chosen partner dealership and apply for financing the same way anyone else would.
Our platform evaluates proof of income, debt-to-income ratio, and dozens of alternative data points traditional banks ignore.
Starting at 16.95%, our rates save borrowers up to 40% compared to what other lenders charge for the same risk profile.
Pick your vehicle from a franchise dealership, not a buy-here-pay-here lot. A reliable car. A fair loan. That's it.
| Traditional Banks | BHPH Dealers | Chosen Finance | |
|---|---|---|---|
| Interest rates | 23.95%+ (if approved) | 25-30%+ | 16.95% starting |
| ITIN accepted | Rarely | Sometimes | Yes, always |
| Data points analyzed | ~30 | Minimal | 75+ |
| Vehicle quality | Franchise dealers | Unreliable | Franchise dealers |
| Approval model | Credit score first | Cash down first | Income first |
Chosen Finance exists because 29.5 million people shouldn't have to overpay for the privilege of getting to work. We're changing how auto loans work, starting in Texas.