Line 5 Introduces a New Independent Dealer Program
Line 5 Introduces a New Independent Dealer Program, the new way to finance F&I products and avoid chargebacks with no fee.

Line 5 Introduces a New Independent Dealer Program, the new way to finance F&I products and Avoid Chargebacks with no fee.
Image by mohamed Hassan from Pixabay
FLORIDA – Line 5, a Florida based indirect lender specializing in financing of vehicle service contracts (VSC), and ancillary F&I products begins offering up a new independent dealership program across the United States. This program is a unique and revolutionary idea from the company, financing all cancellable F & I, and ancillary products; they are the first to implement this type of program for dealers in the automotive, RV, marine and power sports industry.
Line 5 is an excellent company, and I'm very grateful for the services they offer.
The new independent program allows dealerships to sign up and sell back end products without chargebacks. With only a small down payment, no fees charged to the dealer, up to 84 months financing terms, the new program is a win-win for the dealership. Line 5 offers every customer the opportunity to purchase F&I products such as a vehicle service contract (VSC) from dealers irrespective of their credit ratings, at a budget-friendly monthly payment. This makes the whole purchasing experience as smooth as possible, increasing the rate at which dealers can sell multiple protection plans.
The program enables a dealership to sell a VSC and other products with no fee. Line 5 sends the cost of the product directly to the administrator. This assures the consumer has their products activated and ready for use, without the dealer paying out of his/her pocket to activate the products. The dealer receives his monthly profits as the customer’s payments comes in.
The company has been privileged to work with finance managers to help finance their F&I products, here is what a business Manager said about his experience with them, "Line 5 is an excellent company, and I'm very grateful for the services they offer. They have the best terms for warranty." Michael P.
The firm does all the heavy lifting, processes the deals fast and efficiently by utilizing e-rating, e-contracts (in partnership with F&I express and P.E.N), e-signature and e-funding. This helps eliminate any mistakes that might occur during the customer’s sign up process. In the case of cancellations, the administrator pays Line 5 back the pro-rata left on the contract, Line\5 handles all cancellation refunds and alerts the dealership as to when the profit payout with cease.
This means all profits made using this program are fully earned by the dealership, with no chargebacks. Dealerships can rest assured that they do not have to worry about processing a cancellation, or budgeting for the refunds due back to the customer or lien holder.
For more information about Line\5 and how to be part of their new independent dealership program visit www.line5.com.
Read: Black Book Used Vehicle Retention Increases In February
Originally posted on Auto Dealer Today
More F&I

Integrating Nontraditional F&I Products
The niche presents a strategic advantage for auto dealerships as they move to adapt to fast-changing consumer expectations in today’s market.
Read More →
Trust Is Personal
Technology, no matter how efficient, can’t replace what the human F&I manager can do, which is to bridge the divide between cyberspace and the in-store experience.
Read More →
Amplify 2026 Billed as Turning Innovation Into Results
Reynolds and Reynolds says its annual retail summit will connect dealers with practical strategies, peer insight, and technology-driven ideas.
Read More →
Own Your Outcome: F&I in the Digital Customer Journey
Finance has historically been the last step in the car-buying process, but it doesn’t have to be. The customer’s journey starts long before they arrive at the dealership, and so should F&I’s involvement.
Read More →
Tariffs Could Raise Insurance Premiums
As U.S. import tariffs affect repair costs, consumers might find it more affordable to replace a damaged vehicle, according to recent Insurify tariff analysis.
Read More →
Smaller Loans, Longer Terms
The youngest generation of car buyers is more likely to finance less expensive vehicles, more than half of generation Z consumers borrowing less than $25,000.
Read More →
New Lifetime Battery F&I Product Meant to Drive Dealer Traffic
EFG Cos. offering is intended to create lifetime auto dealer engagement with customers.
Read More →
The Psychology Behind Menus That Increase Add-On Sales
There is a science to crafting a menu that gives customers confidence in the choices presented, and moving the process outside the F&I office can further boost results.
Read More →
Why Your F&I PVR Is Misleading You
Here’s a handy checklist of the numbers to track in 2026 instead.
Read More →
Auto Consumer Anxiety Presents Opportunity
A survey of U.S. drivers found the majority are concerned about finances and the economy, but those fears make many ready to buy vehicle-protection products.
Read More →