Principal Pass

Payment flexibility. There for you when you need it.

Payment due and you need extra time? We’ve got your ultimate rainy day fund.

Principal payments add equity for a dealer—after all, that’s your money. But there are times when a payment’s due and the cash is needed elsewhere. Simply use Principal Pass for any eligible unit you wish, and for a small one-time fee, your principal paydown date is extended.

What Principal Pass gives you

Maximized cash flow

Principal Pass delays the need for principal reductions on select units when your contracted curtailments come due, which allows you to conserve cash and have more flexibility to manage your business effectively.

No-friction sign-up

Dealers with existing floorplans can add Principal Pass as an option at curtailment with a simple amendment to their existing agreement — no hidden costs.

Total control & autonomy

Use Principal Pass on eligible units when you want, and pay down principal as usual when you want—it’s your choice.

Ease of use

To use Principal Pass on an eligible vehicle, simply press a button on your AFCDealer® account. No phone calls to your branch needed—handle the process quickly and easily yourself.

Be prepared for anything with Principal Pass

Whether you’re new to AFC or you’ve been with us for years, you can add Principal Pass today*. Reach out to your local AFC branch today and add Principal Pass to your floorplan quickly and easily.

Not an AFC customer?


*Must be an eligible contracted AFC United States Dealer (Non-Rental, Non-RV, Non-Commercial Truck, and Non-Dismantler) in good standing and sign a contract amendment with AFC to qualify for Principal Pass program (“Program”). Excludes South Dakota and New York dealers. The Program only applies to payments for select vehicles subject to AFC’s eligibility criteria, including, without limitation a cap of the original principal in an amount less than or equal to $20,000, which may be modified by AFC at any time. The Program may be terminated by AFC without notice in its sole discretion. The Program is only available using AFC’s dealer portal, AFCDealer®. The Program includes a fee and all other charges, contracted and non-contracted apply, including interest. Please see an AFC representative for complete details.