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Dealer & F&I Information | CarBarrage™ Return of Payments
Add a New Financial Outcome to the Vehicle Purchase.
CarBarrage™ Return of Payments gives participating dealerships a premium aftermarket financial participation product designed to help qualified buyers work toward getting qualifying vehicle payments returned after payoff.
Return of Payments eligibility is connected to active participation in ReCapture™ powered by CrowdPays®.
Why Dealerships Should Offer ROP Eligibility
Most backend products protect the vehicle, lender, or transaction. CarBarrage™ Return of Payments creates a completely different conversation.
The customer is not just purchasing a vehicle. They are adding a structured path toward getting qualifying vehicle payments returned after payoff.
Premium F&I Product
Adds a premium participation-based financial product to the finance office menu.
Retention Story
Creates a reason for customers to remain engaged long after vehicle delivery.
Dealer Flexibility
The public aftermarket price is $2,500. Participating dealerships may structure special pricing during financing.
Structured Participation
Customers must activate ReCapture™ powered by CrowdPays® and remain active and in good standing.
The Main Buyer Message
“When your loan is paid off, CarBarrage™ Return of Payments is designed to help qualified participants work toward getting their qualifying vehicle payments returned.”
Trade-In Retention Opportunities
CarBarrage™ Return of Payments is also designed to create long-term customer retention opportunities for participating dealerships.
18 Month Opportunity
$4,800
Active participants may qualify for up to $4,800 in Down Payment Assistance toward another qualifying vehicle through CarBarrage.com.
30 Month Opportunity
$10,000
Active participants may qualify for up to $10,000 in Down Payment Assistance toward another qualifying vehicle through CarBarrage.com.
How the Dealership Flow Works
1. Buyer Selects Vehicle
Customer chooses qualifying vehicle and begins financing.
2. Offer ROP Eligibility
Finance office presents Return of Payments eligibility during closing.
3. Buyer Completes Intake
Buyer completes ReCapture™ underwriting intake.
4. Underwriting Reviews
Household budget and participation viability are evaluated.
5. Customer Activates Plan
Customer activates ReCapture™ powered by CrowdPays®.
6. Benefit Path Begins
Active participants work toward trade-in opportunities and Return of Payments after payoff.
What ROP Is — and Is Not
ROP Is
- A participation-based benefit path
- Connected to ReCapture™ underwriting
- Powered by CrowdPays®
- Designed around payoff outcome
ROP Is Not
- Not a vehicle warranty
- Not GAP insurance
- Not loan forgiveness
- Not automatic cash back
Ready to Review a Buyer?
Use the ReCapture™ intake while the customer is still in the dealership finance office.
Return of Payments Main Page | Consumer Aftermarket Enrollment | ROP Program Disclosure