TD Auto Finance

We're Primed For Your Business

How long are credit approvals valid?

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A credit approval is valid for 30 days from the date of application.

How do I enter and submit a credit application to TD Auto Finance?

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TD Auto Finance partners with RouteOne and DealerTrack for application submission. RouteOne can also be accessed in TDAF Connect by selecting ACE via RouteOne under the Deals tab. TDAF Connect offers seamless integration with RouteOne and allows access to your portfolio data for collecting prospecting and payoff information.

What are your hours of operation?

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TD Auto Finance’s Retail Credit Department is open to serve our dealers from coast to coast, seven days a week! The Retail Credit Department’s hours of operation (in all time zones) are as follows:

Monday - Friday: 9:00am - 8:00pm
Saturday: 9:00am - 6:00pm
Sunday: 10:00am - 6:00pm

Is there any other information that must be included when submitting a credit application?

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Review our Retail Credit Reference Guide for a comprehensive list of information and documents that must be included when submitting a credit application.

When is a co-applicant required with a credit application?

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TD Auto Finance does not require co-applicants. If an individual applicant does not qualify for credit in his or her own name, the dealer may submit a new application with a joint applicant. The co-applicant's credit bureau will be reviewed for credit worthiness. Note: Business applicants must have an individual co-applicant to be considered for credit.

Is a TD Auto Finance Notice to Co-signer form required with all applications with a co-applicant?

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A Notice to Co-signer form is required if all parties listed on the Contract are not listed on the title work. All Notice to Co-signer forms can be found on the Documents & State Requirements page.

How do I know if you've received a credit application that I've sent to you?

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You will receive an acknowledgement of receipt from TDAF in your RouteOne Deal Manager or your DealerTrack Application Status screen. You will receive an automated decision, or an advisement that your application is pending manual review.

Why haven't I received a decision on an application I submitted?

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There are a number of reasons why you have yet to receive a decision on a submitted application:

  1. You did not transmit the application to TD Auto Finance via RouteOne or DealerTrack
  2. TD Auto Finance was unable to clear the consumer statement (a warning that the applicant has placed on their credit bureau to protect against identity fraud - TDAF must speak with the applicant prior to extending credit)
  3. The application was a duplicate
  4. Additional information is required to make a credit decision

What vehicles are ineligible for financing through TD Auto Finance?

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The following vehicles are ineligible for financing:

  • Used vehicle loan term plus the age of the vehicle cannot exceed 11 years
  • Vehicles (gas) with over 100,000 miles (or 120,000 miles for diesel vehicles)
  • Vehicles with Reconditioned, Salvage, Lemon Law or Factory Buy Back titles
  • Recreational vehicles (RVs)
  • Conversions and upfits
  • Livery vehicles (i.e., taxis, shuttles, etc.)
  • Commercial vehicles in excess of one ton
  • Sprinters, cab and chassis or flatbeds
  • Suzuki vehicles (new and used)
  • Electric Vehicles (non-major OEM electric vehicles)
  • MV1

Does TD Auto Finance offer irregular payment plans?

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No. TD Auto Finance does not offer irregular payment plans.

How are used vehicles valued?

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TD Auto Finance will use NADA Gold Book "Clean Trade-In" when establishing book value for used vehicle applications in all states except AZ, CA, CO, HI, ID, MT, NM, NV, OR, UT, WA and WY (where Kelley Blue Book "Good Trade In" will be used). You must include a copy of the book-out sheet in the contract package for all states.

Used vehicles (one year old or newer) with no book value are valued using the auction price (if available) or 85% of the factory invoice price (with $.15/mile deducted for mileage greater than 15,000).

Does TD Auto Finance finance customers in bankruptcy?

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Applicants with a bankruptcy within the previous 36 months are ineligible for financing.

Does TD Auto Finance finance customers with prior repossession(s)?

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No. Customers with prior repossession(s) are ineligible for financing.

Are contracts or titles in the name of a trust eligible for financing?

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Contracts or titles in the name of a trust are not eligible for financing.

What happens if I'm presented with a Power of Attorney form?

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Power of Attorney forms must be submitted and approved by TD Auto Finance's legal department prior to the credit decision.

What is required for business applicants to be considered for credit?

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Business applicants must have an individual co-applicant to be considered for credit.

Do you finance used and new vehicles?

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Yes. We finance both used and new vehicles.

What finance terms does TD Auto Finance offer?

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TD Auto Finance offers flexible terms for used and new vehicles for qualified applicants. See our Retail Credit Reference Guide or current rate sheet on TDAF Connect for details. Irregular payment plans are not offered.

What is the minimum amount that can be financed?

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The minimum amount that can be financed is $7,500 based on unpaid cash balance. Contracts financed in New Jersey with an unpaid cash balance of $10,000 or less cannot exceed terms of 48 months.

What is TD Auto Finance's standard LTV maximum?

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TD Auto Finance's LTV policy is published in the Products & Services section.

What is TD Auto Finance's back-end LTV maximum?

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The total back-end maximum is the greater of 15% of invoice/book or $3,500, with total advance not to exceed LTV and back-end maximum posted in the Products & Services section with a capped dollar amount by product:

  • GAP: $895 or state maximum, whichever is less
  • Dealer self-funded warranty products are not eligible

What is included in my credit approval?

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Credit approvals are based on the “Unpaid Cash Balance”, which includes the following: Cash price of the vehicle less cash down payments and trade-in allowance, plus the cost to the dealer for accessories (without labor costs added), Taxes, Title charges, License fees, Document fees and any ancillary products. Allowable ancillary products differ by state.

The total back-end maximum equals the greater of 15% of invoice or $3,500, with total advance not to exceed LTV+ Backend Maximums. Back-end products include:

  • Service Contracts
  • Credit Life
  • Accident & Health
  • GAP $895 or approved State maximum

Where do I go to find stipulations associated with my credit applications?

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To review an application’s stipulations, log in to TDAF Connect, click the Work Queue tab at the top and then the “Contracts Held” link. Alternatively, you may view the application’s open items within the RouteOne Deal Manager or the DealerTrack Application Status page.

How are stipulations verified?

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Credit application approvals are subject to verification of information provided by the dealer and/or customer. Notwithstanding TD Auto Finance's review of any verification information provided by a dealer or customer, a dealer will remain responsible for the breach of any representation or warranty contained in the Retail Installment Contract and Lease Program Agreement, including, but not limited to, representations and warranties concerning the customer's identity and credit information.

Download and review the Retail Credit Reference Guide for more specific information on stipulations and acceptable documents.

What are TD Auto Finance's residency requirements for applicants?

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The residency requirements are as follows:

  • Prefer one year minimum of verifiable residence history, and if the applicant has been at their current residency for less than one year, you must obtain the applicant's previous residency history
  • Cannot have a US Virgin Island or Puerto Rico address

What are TD Auto Finance’s employment and income requirements?

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Employment and Income requirements are assessed depending on the overall risk of the application. TD Auto Finance reserves the right to verify employment and income on all submitted applications.

Does TD Auto Finance require references of its applicants?

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All applications must include two personal references with verifiable addresses and phone numbers.

What are the hours of the Funding and Contract Resolution Department?

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Contract Resolution representatives are available Monday through Friday 9:00 a.m. – 8:00 p.m. (Eastern) and Saturday from 9:00 a.m. – 2:00 p.m. (Eastern).

What funding documents are required with contract submission?

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The following documents are required with the submission of a contract:

  • Approved completed retail installment contract (click here to view the list of Accepted Contracts)
  • RouteOne decision details page or DealerTrack application status page (use as package cover sheet)
  • Completed TDAF, RouteOne, DealerTrack or TDAF-approved local credit application (click here to view the list of Accepted Credit Applications)
  • Completed Title work
  • Book sheet (used) or factory invoice (new)
  • Corresponding completed ancillary product forms (if applicable)


Sample list of Conditionally Required Forms (as applicable):

  • Any state-specific disclosure form(s)
  • Notice to Co-signer
  • Service Contract Policy
  • Accident and Health/Credit Life Policy
  • GAP Policy
  • Authorization to Conduct a Credit Investigation
  • Credit stipulations (POI, POE, etc.)


When submitting a contract package, the details make the difference. Please remember to:

  • Include all required and optional forms with the correct revision date
  • Use the correct and complete assignee name: TD Auto Finance LLC
  • Review the contract for proper print alignment – confirm there are no blank lines!
  • Initial all permissible strikeovers and/or corrections (dealer and customer/co-buyer initials required). Corrections cannot be in the Fed box
  • Provide all signatures


Reminder to California dealers: if the contract was negotiated in a language other than English, you must notify TD Auto Finance.

You may also download our Retail Credit Reference Guide and Contract Package Checklist for additional information.

Can I bundle deal packages?

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The bundling of contract packages is acceptable provided that the RouteOne decision sheet or the DealerTrack application status page is the top separator of each deal. In addition, packages must be shipped via a service with tracking. Packages shipped via "regular" mail will not be accepted.

Where can I find out about my contracts held up in funding?

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To review contracts that are in a “held” status, log in to TDAF Connect, click the Work Queue tab at the top and then the “Contracts Held” link. Alternatively, you may view the contract’s open items within the RouteOne Contract Manager or Dealer Track Contract Status page.

How do I reach the Funding Department to help me with held contracts?

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Contract Resolution representatives are available by dialing 800-200-1513 Option 4.

What are some potential reasons why a contract is being held?

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Contracts will be held if the structure of the contract does not match the approval given at the time the deal was submitted. To prevent delay, all structure changes should be performed before the contract is sent. Contracts will also be held if they are missing any necessary paperwork or accompanying forms. To review held contracts, log in to TDAF Connect, click the Work Queue tab at the top and then the "Contracts Held" link. Alternatively, you may view contract’s open items within the RouteOne Contract Manager or DealerTrack Contract Status page.

How do I get funded?

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Once a contract is booked by TD Auto Finance, the funding for the contract, reserve and flat fees will be automatically deposited to your dealership bank account. Confirmations of booked contracts, including breakdowns of Contract Advance and Reserve amounts are visible in RouteOne Contract Manager and Dealer Track Contract Status list, and under the TDAF Connect EFT tab.

How do I escalate funding issues?

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You are able to view contract status and open credit stipulations in RouteOne, DealerTrack and TDAF Connect. If you have general funding questions you can contact our Funding and Contract Resolution Department at 800-200-1513 Option 4.

How do I get a flat cancel approved?

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All flat cancels require prior approval. Contact 800-200-1513 Option 2 to obtain approval and additional instruction. Flat cancels will be reviewed and approved on a case-by-case basis.

How do I get an approved flat cancel processed?

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Once approved, a chargeback will automatically appear in EFT two days after the flat cancel is processed. Flat cancels do not require payment or payoff and dealers do not need to send a check. Just click “transmit” in the EFT Summary Screen to process the chargeback.

Do I have the ability to buy down a rate?

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Any rate can be bought down for a fee. The non-refundable additional fee will be provided by the Retail Credit department. Buy down fees cannot be directly or indirectly charged or passed through to the customer.

Where do I access rate sheets?

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Current and Historical rate sheets are posted in RouteOne, DealerTrack and TDAF Connect for dealer view and download. Be sure to view this section frequently for updates to the rate sheet.

What is TD Auto Finance's reserve split?

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The current reserve split is 80% / 20% with a maximum mark-up of 2% up to 72 months and 1.75% for 73+ months, not to exceed the state legal maximum.

How is my reserve calculated?

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Your reserve is calculated using the industry standard Ratio Method.

What is TD Auto Finance's Flat Fee Program?

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Our standard flat fee is 1% of the amount financed, not to exceed $500, for both new and used contracts. We also offer an Enhanced Flat Fee with details on our rate sheets.

How do I receive my reserve or flat fee?

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Booked contracts populate during the business day in the Advances Recap screen, Retail Reserves Screen (includes Flat Fees), and Adjustments To/From Dealer screen in EFT, accessed via TDAF Connect. Additionally, dealers may input payments, payoffs, etc. into the system. Behind the scenes, the system calculates a running total of credits TD Auto Finance owes to the dealer and the debits the dealer owes to TD Auto Finance and payments and/or payoffs the Dealer has entered into the system.

If the day’s total is a net credit (positive) amount owed to the dealer: At 8:00pm ET, an auto-transmit occurs. Dealers will see the details of the deposit the next business day in the EFT History Screens. Retail Advances and Reserves for contracts booked are credited at the same time.

If the day’s total is a net debit (negative) amount owed to TD Auto Finance: No auto-transmit occurs. TD Auto Finance will not debit a dealer’s bank account for a net debit amount. Dealers can see the net debit amount on the Summary screen the following day, along with any other funds that did not auto-transmit. Dealers must authorize a debit by manually transmitting.

IMPORTANT: Because debit amounts are automatically offset against credits due to the dealer EACH BUSINESS DAY, dealers should not load payments, payoffs, etc. that they do not intend to transmit that day.

What is the dealer reserve and Flat Fee chargeback policy?

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All finance reserves and flat fees paid to any dealer are subject to chargeback or offset, up to the full amount of the finance charges or flat fees (both standard and enhanced) advanced to dealer on said contracts:  (a) upon prepayment of any contracts, default under any contracts and/or repossession or return of any vehicles subject to any contracts, but only until the later of (i) the date the customer has made six (6) monthly payments to TDAF under such contract or (ii) the sixth (6th) scheduled monthly payment due date under such contract; (b) in connection with dealer's indemnity, guaranty, repurchase and other obligations under its agreements with TDAF; and (3) in connection with a dealer's obligations under any endorsements to any contracts.

What is a Dealer Reserve Statement and how do I access it?

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The Dealer Reserve Statement is systematically generated at the close of business following month-end (mailed directly to the dealership by the 5th business day of the month) and reflects all credit and debit entries which were processed on a retail account during the month. Each dealer number will receive a separate statement.

You may also view an online version of the Reserve Statement in TDAF Connect on the second business day of the month. To do so, log in to TDAF Connect and navigate to Dealer Services>Reports>Statements>Retail Reserve.

How do I read my Dealer Reserve Statement?

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The Dealer Reserve Statement provides details on each contract with recent reserve history. The statement includes the contract date, customer name, account number, transaction code and dollar amount specific to an activity. The statement also provides a "balance forward" from the previous statement and a "current balance in reserve account."

How do I send payments/payoffs to my customer's TD Auto Finance account?

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Payments and payoffs can be made on your customer's TD Auto Finance account through EFT on TDAF Connect. To obtain a payoff quote, log in to TDAF Connect, choose the PAYOFF option within Common Tasks and search with the customer's information. To send the payment or payoff, select the EFT link at the top, click Payments on the left and then click Payments (again) under Retail & Lease. Choose Y(yes) for payoff or N(no). Enter the account number or the last 8 of the VIN. Press submit. Next, the account pre-fills. Enter the amount of the payoff/payment and then click SUBMIT. Or, you may mail payments and payoffs:

Overnight Payoffs/Payments
TD Auto Finance -9001873
6716 Grade Lane, Suite 910, Bldg 9
Louisville, KY 40213

Non-overnight Payoffs/Payments
TD Auto Finance LLC
PO Box 9001873
Louisville, KY 40290-1873

Can my customers sign up for automatic payment?

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Yes. Please offer all customers the opportunity to sign up for Automatic Payment. There are two ways to enroll.

1. At the Dealership, when purchasing a vehicle

  • The Automatic Payment Authorization Agreement is available for dealers to download and print in the Documents & State Requirements Tab and also on RouteOne, DealerTrack or TDAF Connect.
  • Customers should complete two copies of the form, retaining one for their records. Note: Please enter “New Account” under the Account Number field on the form.
  • Dealers can return the form with the contract package, or fax it to (888) 548-3574.

2. At home, after taking delivery of the vehicle

Customers may choose to sign-up themselves, after leaving the dealership. This option is available for customers with an established account number. Please direct customers to TDAF.com.

How do I receive a payoff amount for a TD Auto Finance account?

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To obtain a payoff quote, log in to TDAF Connect, choose the PAYOFF option within Common Tasks and search with the customer's information. Or, you may call 1-877-670-9967.

What is the preferred generic contract in every state?

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The most recent version of the LAW® contract is the preferred generic contract in every state. The LAW® contract brand is owned by Reynolds & Reynolds and can be purchased through www.reysource.com.

Why are additional documents like the Authorization to Conduct a Credit Investigation form sometimes required with TD Auto Finance Accepted Credit Applications?

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Additional documents may be required even when using a TD Auto Finance Accepted Credit application in an effort to ensure the same protections that are built in to the TD Auto Finance application.

Where do I get new forms if I run out?

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TD Auto Finance forms can be downloaded in the Documents & State Requirements tab and also accessed via the Dealer Services tab in TDAF Connect.

Where can I access dealer and funding documents?

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View the Documents & State Requirements page on www.tdafdealer.com for a comprehensive list of dealer and funding documents. These documents are also available in TDAF Connect under Dealer Services/Documents & Notices.

Where can I download a sample of your Dealer Agreement?

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You may download a sample Dealer Agreement from our Documents & State Requirements section.

Your Dealer Relationship Manager will provide you with a copy of your Dealer Agreement during the onboarding process.

Who is my Dealer Relationship Manager?

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A dealer with a signed Retail Installment Contract and Lease Program Agreement (Dealer Agreement) will have an assigned Dealer Relationship Manager. If the name of your Dealer Relationship Manager is needed, you may call Dealer Services at 1-800-200-1513, option 3.

Whom do I contact if I have a question?

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A dealer with a signed Retail Installment Contract and Lease Program Agreement (Dealer Agreement) should direct all business questions to Dealer Services (1-800-200-1513, option 3). This team of experts will handle your questions quickly. Additionally, the FAQs should be able to provide answers to more generic policy questions.

How do I contact Dealer Services?

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You can contact Dealer Services at 1-800-200-1513, option 3.

What should I do if I submitted a "Contact Us" form and I haven't received a response yet?

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TD Auto Finance strives to respond to your requests within 48 hours. If it has been longer than 48 hours since you submitted a “Contact Us” form, please feel free to call us at 1-800-200-1513, option 3.

What licenses are required to do business together?

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Your dealership must have all licenses required by the dealer state as well as a Certificate of Good Standing in order to sell retail installment contracts to TD Auto Finance.

How do I contact you if I'm interested in working together?

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Review the information on the Contact Us page, complete the form and we'll be in touch!

What is RemarketingEdge?

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RemarketingEdge offers a suite of programs and services specifically designed for existing customers to help manage inventory. From grounding, to inspection and oversight of physical auction, RemarketingEdge uses proven, benchmarked processes to help customers sell inventory significantly faster than the competition and maximize the value of each vehicle asset.

What is TDAF Remarketing Services?

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A Remarketing product specifically for dealers, TDAF Remarketing Services offers a resource to help quickly and cost-effectively liquidate aged and excess inventory through TD Auto Finance's access to a large national network of physical auctions. All brands of vehicles are eligible with flexible guidelines on age, model type and mileage. Our dedicated Vehicle Remarketing Manager is on-site, ensuring prime lane placement, so inventory is represented front-and-center on sale day. Targeted marketing campaigns effectively attract the right audience -- a consistent base of dealers who are at auction ready to buy, not "just looking." This comprehensive program results in better exposure, increased demand and higher proceeds.

Where do I view information on newly introduced programs?

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New program information and special program flyers are posted in RouteOne, DealerTrack and TDAF Connect for dealer view and download.

How do I check the status of my new dealership application?

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The Dealer Relationship Manager assigned to your account will keep you updated on the status of your dealership application. Our goal is to process your application in an efficient manner, however individual state agencies have various response times that may impact our processing time.

What is TDAF Connect?

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TDAF Connect is TD Auto Finance's proprietary dealer portal that can be accessed at www.tdafconnect.com. Dealers doing business with us can find the tools, rate sheets and customer information to support their sales and financing efforts all on TDAF Connect.

How do I sign up for access to TDAF Connect?

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As part of the onboarding process, you will receive a TDAF Connect System Authorization Form. Once this form has been processed, the System Administrator will receive a temporary user ID and password via email. The System Administrator must then log in to TDAF Connect and add themselves as a user. Please reference the TDAF Connect Guide for more specific information.

How do I access TDAF Connect?

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TDAF Connect is available at www.tdafconnect.com.

What browsers does TDAF Connect support?

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TDAF Connect supports Internet Explorer 6, 7, 8 and 9.

How do I receive training for TDAF Connect?

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Download and review the TDAF Connect Guide which includes important information you need to know about TDAF Connect along with easy-to-follow instructions for completing key tasks.

How do I add new TDAF Connect users?

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The dealership System Administrator must log in to TDAF Connect, select the Administration tab at the top and then click the Add Users link on the left.

How do I edit or remove existing TDAF Connect users?

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The dealership System Administrator must log in toTDAF Connect, select the Administration tab at the top and then click the Users link on the left. Select the user to be edited or removed and click the corresponding action button (either REMOVE or EDIT PROFILE).

How do I view current customer leads in TDAF Connect?

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You will find current TD Auto Finance leads by logging in to TDAF Connect and locating the My Referral section on the home page. For a more detailed view of customer leads, click on the Customer Management tab at the top and click on the Leads link.

How do I log in to TDAF Connect if I forgot my password?

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Navigate to the TDAF Connect log in page, click the "I forgot my Password" link and follow the instructions.

How do I log in to TDAF Connect if I forgot my user ID?

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Navigate to the TDAF Connect log in page, click the "I forgot my UserId" link and follow the instructions.

How do I receive my user ID and password if I am a new TDAF Connect System Administrator?

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Once the System Administrator Authorization form has been completed and submitted, the System Administrator will receive a temporary user ID and password via email. The System Administrator must log in to TDAF Connect (www.tdafconnect.com) and then set themselves up as a user. See the TDAF Connect Guide for more details.

What information is required to log in to TDAF Connect?

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Users must log in to TDAF Connect with their user ID, password and dealership number.

How can I obtain a System Administrator Authorization form for TDAF Connect?

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Your Dealer Relationship Manager will provide you with a System Administrator form. For a sample, download the System Administrator Authorization form from our Documents & State Requirements section. The form is also available in TDAF Connect. Navigate to Dealer Services at the top and click on the Documents & Notices link.

Who needs to sign the System Administrator Authorization form for TDAF Connect?

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The Dealer Principal or another person authorized by the dealership must sign the System Administrator Authorization form.

If I am a new TDAF Connect System Administrator are my user ID and password temporary?

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Yes. Your user ID and password will expire within 10 days if you are a new TDAF Connect System Administrator. Please log in to TDAF Connect as soon as you receive your temporary login information and be sure to change your password immediately.

How do I receive assistance if I have questions about using TDAF Connect?

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Download the TDAF Connect Guide or call 1-800-200-1513 Option 3 if you require assistance with TDAF Connect.

Are there any programming changes needed by my DSP to utilize TDAF Connect?

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No changes are needed by your DSP to utilize TDAF Connect.

What is EFT?

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EFT is TD Auto Finance's cash management system that enables cash flow activity between TD Auto Finance and a dealership’s bank account.

How do I receive my funds?

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Booked contracts populate during the business day in the Summary and Authorization screen, which shows all Advances, Retail Reserves (including flat fees), Payments and Adjustments. Additionally, dealers may input payments, payoffs, etc. into the system and "Authorize" them. The system calculates a running net total (debit or credit) of authorized transactions in the Summary portion on the Summary and Authorization screen.

If the day’s total is a net credit (positive) amount owed to the dealer: At 8:00 pm ET, an auto-transmit occurs. Dealers will see the details of the deposit the next business day in the EFT History Screen. Retail Advances and Reserves for contracts booked are credited at the same time.

If the day’s total is a net debit (negative) amount owed to TD Auto Finance: No auto-transmit occurs unless authorized by the dealer. TD Auto Finance will not debit a dealer’s bank account for a net debit amount. Dealers can see the net debit amount on the Summary screen the following day, along with any other funds that did not auto-transmit. Dealers must "Authorize" a debit.

IMPORTANT: Because debit amounts are automatically offset against credits due to the dealer EACH BUSINESS DAY, dealers should not authorize payments, payoffs, etc. that they do not intend to have transmitted that day.

Where and when do dealers see a list of all transactions posted to their bank account?

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Dealers are able to view the amounts sent in the EFT History screen by 7:00 am ET the morning following an auto-transmit. Three months of transaction detail is maintained in the EFT History screen.

Will debits automatically be deducted from a dealer’s bank account?

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When a dealer has a debit amount owing (due to payments, payoffs, adjustments or negative balance forward reserves) and there are credits that exceed the debit amount, TD Auto Finance will offset the debit amount against the credit amount. If the net result is a credit, an auto transmission occurs. If the net result is a debit, no auto-transmit occurs. Dealers must "Authorize" a debit to transmit the amount due to TDAF.

NOTE: Please do not "Authorize" any payments or payoff amounts you do not intend to have transmitted that day. Once authorized, the payments/payoffs will be automatically offset against any credit for the day.

When should a dealer push the "Authorize" button?

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Dealers must push the "Authorize" button to authorize TD Auto Finance to debit monies from the dealer’s bank account when amounts due to TDAF are not offset against credits. These debits are usually for customer payments or pay-offs, but can also result from Reserve or flat fee chargebacks or other adjustments.

Can an EFT Authorization be reversed?

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Payments/Payoffs can be entered, authorized, changed, deleted and reauthorized in EFT until 8 pm ET.

What is a "Required" Transaction Status?

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This identifies amounts owed to TDAF (examples include Flat Cancels for Advance and Fee Reversals; Dealer Reserve Settlements; Negative NSF Adjustments). Required transactions will continue to be offset against the transactions for the day only if the net result is a credit balance. If the day’s net result is negative, dealers need to change the status to “Authorize.”

Will TD Auto Finance ever debit more from a dealer’s bank account than a dealer authorizes?

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No. Pushing the "Authorize" button authorizes a debit for no more than the net amount shown on the Summary screen.

Will TD Auto Finance ever debit less from a dealer’s bank account than is authorized?

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Yes. If there are offsetting credits, TDAF will debit less than the dealer authorizes.

During the business day, where can dealers see a running total of credits and debits?

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Current day transactions will appear on the Summary and Authorization screen in the Summary section. This includes Advances, Retail Reserves (including flat fees), Payments and Adjustments.

What happens to contracts booked after 8:00 pm ET?

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Contracts booked after 8:00 pm ET will auto-transmit the evening of the next business day if the amount due is a net positive. If the amount due is a net negative, the dealer must push “Authorize.”

How are payments or payoff amounts entered by dealers processed by the system?

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The dealer must "Authorize" all payments/payoffs they want transmitted either by “Authorizing All” or individually.

NOTE: Please do not "Authorize" any payments or payoff amounts you do not intend to transmit that day as once a payment or payoff is authorized, TDAF will offset the amount against any credit due to the dealer and/or take a net debit from the account.

How do I sign up for access to EFT?

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You sign up for access to EFT as part of the dealer onboarding process. Your TDAF Connect System Administrator will manage access to EFT.

How do I change the banking information associated with EFT?

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For any changes to your existing dealership EFT banking accounts, please contact Sales Support at 1800-200-1513, option 3.

How do I access EFT?

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Log in to TDAF Connect and select the EFT link within the top navigation. From there, review the left navigation for additional EFT-related options.

What should I do if the EFT link is missing from the top when I log in to TDAF Connect?

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To troubleshoot this issue you can maximize your screen, increase the screen resolution to 1024x768 pixels or ensure TDAF Connect's zoom level (in the bottom-right of the screen) is set to 100%.

What are the EFT hours of operation?

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Dealers can enter payments/payoffs and authorize, change, delete and reauthorize payments/payoffs manually between 7:00 am – 8 pm ET M-F, Bank holidays, Saturdays and Sundays excluded (US & Canada).

Automated Funding Transmission occurs at 8:00 pm ET M-F, Bank holidays, Saturdays and Sundays excluded (US & Canada)

Discounted funding will be transmitted on the current day if done prior to 8:00 pm. Discounting that occurs after 8:00 pm will be processed the next business day.

How can I find out what bank account I have set up for EFT?

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Log in to TDAF Connect, click the EFT tab. The system will bring you to the EFT Summary and Authorization screen. The bank account and routing numbers are available in the upper-left section of this screen.

What should I do if I click the EFT link and nothing happens?

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This means that an EFT option has not been activated in the user's profile. The System Administrator must edit the user's profile to include "EFT Primary" (which will allow the user to enter information and to "Authorize" transactions). To edit a user's profile, log in to TDAF Connect, click the User Link under the Administration tab at the top, select the user and then click the EDIT PROFILE button.

How can I configure an EFT user's profile to have the ability to enter information but to not have the capability to "Authorize" a Transaction?

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The System Administrator must edit the user's profile for EFT to be "EFT Helper." The "EFT Primary" and "EFT Primary with CMA" will allow users to enter information and "Authorize" transactions (authorize a debit to the dealer’s bank account). To edit a user's profile, the System Administrator should log in to TDAF Connect, click the Administration tab at the top, click the Users link on the left, select the user and then click the EDIT PROFILE button.

Why don't I see an Authorize button next to a payment/payoff I submitted on the EFT Summary and Authorization page?

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The user does not have the appropriate EFT access rights to "Authorize" a transaction. In order to "Authorize" a transaction, the user's EFT access must be edited to either "EFT Primary with CMA" or "EFT Primary without CMA." To edit a user's profile, the System Administrator should log in to TDAF Connect, click the User link under the Administration tab at the top, select the user and then click the EDIT PROFILE button.

Where can I view an advance for a particular retail customer in EFT?

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Log in to TDAF Connect, select the EFT tab at the top, the system will bring you to the EFT Summary and Authorization page. You can view an advance for a particular customer the day a contract is booked under the Advances section.

Where can I find the Acquisition Fee in EFT?

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You can view the Acquisition Fee, if applicable, in EFT by logging in to TDAF Connect, clicking the EFT tab at the top. The system will bring you to the EFT Summary and Authorization page.You can view an acquisition fee for a particular customer, if applicable under the Adjustments section.

Why does nothing happen when I click Authorize on the Summary and Authorization page within EFT?

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This occurs on weekends and on bank holidays. Everything that was submitted that day will be saved for the next business day's transmission. Messages regarding holidays appear as an Alert on TDAF Connect.

When will a transaction post to my bank account for a transmission that occurs in EFT today?

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A transaction will post to your dealership’s bank account the next business day after an EFT transmission.

What should I do if there was a transmission in EFT yesterday and it hasn't posted to my dealership’s bank account yet?

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Contact the ACH department of your bank to verify receipt of the previous day's transmission. Transmissions may be "hung up" between your bank's ACH department and the local branch of your bank.

If further help is required, call Sales Support at 1-800-200-1513, option 3.

How can I get an explanation of the Balance Forward on Retail Reserves displayed in EFT under Adjustments in the Summary and Authorization screen?

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Balance Forwards can be viewed within TDAF Connect. Log in, click the Dealer Services tab, then Reports and finally, Retail Reserves. Choose the current month in the Criteria screen to display the previous month-end statement.

What is DealerTrack?

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DealerTrack is a web-based credit application management system that aggregates multiple finance sources into a single access point for dealers. Access DealerTrack's website for more information. Note: DealerTrack is also available via the Deals tab in TDAF Connect.

How do I manage the applications I have sent to TD Auto Finance via DealerTrack?

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Applications you have submitted via DealerTrack will be managed under the "Application Status" menu in DealerTrack.

What finance sources are available through DealerTrack?

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DealerTrack connects to many financing sources. Contact DealerTrack to find out if your lender(s) accept applications from DealerTrack.

What should I do if I have questions about DealerTrack?

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Contact DealerTrack directly with all questions.

How do I sign up for access to DealerTrack?

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You may contact DealerTrack directly at 1-877-357-8725. Or, you can begin the enrollment process online at the DealerTrack website.

What computer settings should I use for DealerTrack?

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Visit DealerTrack's Site Requirements page for details on computer settings.

How do I receive training for DealerTrack?

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Contact DealerTrack Support at 1-877-357-8725 or visit DealerTrack's Support and Training page to receive DealerTrack training.

What is RouteOne?

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RouteOne is a web-based credit application management system that aggregates multiple finance sources into a single access point for dealers. Access RouteOne's website for more information. Note: RouteOne is also available via the Deals tab in TDAF Connect.

How do I manage the applications I have sent to TD Auto Finance via RouteOne?

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Applications you have submitted via RouteOne will be managed through the "Application Manager" in RouteOne. Log in to TDAF Connect, select the Deals tab and then click the "ACE via RouteOne" link to access RouteOne.

What finance sources are available through RouteOne?

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RouteOne connects to many financing sources. Contact RouteOne to find out if you lender(s) accept applications from RouteOne.

What should I do if I have questions about RouteOne?

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Contact RouteOne directly with all questions.

How do I sign up for access to RouteOne?

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Your dealership will be signed up for access to RouteOne as part of the dealer on-boarding approval package.

You may also contact RouteOne directly at 1-866-933-0663.

What reporting is available within RouteOne?

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RouteOne's easy-to-use custom reporting tools will help uncover new ways to manage your business profitably. Track and analyze finance source performance as well as your own dealership in real or near-real time. Visit www.routeone.com for more information.

What computer settings should I use for RouteOne?

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Visit RouteOne's System Requirements page for details on computer settings.

You may also contact the RouteOne technical support desk at 1-866-768-8301 or email them at R1support@routeone.com to receive RouteOne training.

How do I receive training for RouteOne?

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Contact RouteOne Sales Support at 1-866-933-0663 or email them directly at salessupport@routeone.com to receive RouteOne training.

How do I request a title?

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Retail only: When a payoff is transmitted via EFT and the loan is satisfied, the title request is automatically generated and is mailed out within 72 hours. Dealers may request a title by calling the Dealer Hotline at 1-866-730-4343. Customers may call Customer Service at 1-800-556-8172 to request a title.

How can I check the status of a title or lien release?

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Contact the Dealer Hotline at 1-866-730-4343 to check the status of a title or lien release. Customers should contact Customer Service at 1-800-556-8172 for their title and lien release questions.

Where should I send titles?

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The title submission address varies by state. Review the Retail Contract and State Title Code form in the Documents & State Requirements section for state-specific information.