Return to Prime

We all understand how unpredictable life can be and that sometimes unforeseen circumstances can leave us with not-so-great credit. We at Palladino Lending Solutions want to help you get into a vehicle that will suit your needs AND help you re-establish your credit!

Return to Prime is a brand-new program that we offer to help you build up your credit score, all while rewarding you for your repayment efforts! Subprime car loan interest rates can range from 8.99% all the way up to almost 30% in some cases, and with a typical loan, the interest rate for the duration of the repayment period would remain the same. But that doesn’t seem fair if you are making all of your payments on time, does it? We don’t think so either!

That’s why when you borrow with us and our Return to Prime program, we will reduce your loan’s interest rate year over year when you make all of your payments on time. This keeps more of your hard-earned money in your pocket all while re-establishing your credit score.

Return to Prime has two major benefits:

You’re able to build up your credit score for the future, making it easier and less expensive to borrow.
We can reduce the interest rate on your vehicle loan year over year.