A modernized owner-financing platform for auto dealers. Your customer pays in installments at a true 0% APR — no hidden financing charges, no penalty interest, no compounding fees. You get paid upfront minus 2.9% — better than dealer captives, better than Affirm, better than CarMax financing. We collect every installment, we handle defaults humanely, we sync with your DMS. Higher conversion on every customer, regardless of who they are.
Customers pay you upfront (or per agreed milestones). We collect their installments at 0% APR. Higher conversion than Affirm. Posting tiers from $50/month, billing begins when Stripe Connect is live.
Optional, but it helps our dealer-channel partnerships team route you correctly.
Additional states open in Phase 2.
Plugs into your existing DMS — DealerSocket, Reynolds & Reynolds, CDK Global — or via direct API + CSV upload for independent dealers.
CSV bulk-upload, VIN-by-VIN, or real-time DMS feed integration. Cars, trucks, used vehicles, pre-owned luxury, motorcycles, recreational vehicles — every category supported. Listings include photos, condition, mileage, asking price, term options.
Buyer browses, picks a vehicle, applies via qardon.com Merchant BNPL. Identity + creditworthiness scoring runs in seconds. Approve / conditional / decline returned to your dashboard. Pre-qualified buyers wear a badge so you know who's already approved before they walk in.
On approval, you receive 97.1% of the sale price (asking price minus 2.9% service fee) at T+2. Buyer pays installments to qardon.com at 0% interest over the agreed term. We handle every installment, every hardship, every default. You remember it as a fast, clean sale.
Posting fee by inventory size. Transaction fee flat at 2.9%. Optional 1.5% sales commission when qardon.com closes the sale via inbound buyer lead.
| Revenue layer | Amount | Paid when |
|---|---|---|
| Posting fee — Tier 1 Up to 50 active inventory listings |
$50/month unlimited listings | Monthly subscription |
| Posting fee — Tier 2 More than 50 active listings |
$200/month unlimited listings | Monthly subscription |
| Posting fee — Enterprise Large dealer groups, multi-location |
Custom — volume-based | Negotiated |
| Transaction service fee Per-sale, deducted from upfront settlement |
2.9% of transaction value | At settlement (T+2) |
| Sales commission Only when qardon.com sources the buyer |
1.5% additional | At settlement, when lead attributed |
| Default-management fee Hardship, restructure, Recovery referral |
$0 — built into base 2.9% | Never |
All fees disclosed upfront. No setup fee for the first 100 dealers. Stripe pass-through (2.9% + 30¢) is paid by the buyer at each installment and is not qardon.com revenue.
Phase A is live today. Phase B activates as qardon.org completes its lending licensing in each state.
For every approved sale:
When qardon.org has its lending license in your state:
Phase B rolls out state-by-state as qardon.org completes state-level lending licensing. Until then, Phase A is fully operational and you can list, sell, and get paid upfront today.
True 0% on every term length. Lower dealer service fee. Faster settlement. Humane default flow — no collections agencies, no court orders in your name.
Competitor data drawn from publicly disclosed pricing and consumer financing pages as of 2026. Captive subsidization varies by manufacturer promo cycle.
New and used passenger vehicles. Sedans, SUVs, crossovers, hatchbacks, hybrids, EVs. Largest BNPL category by dollar volume.
Light-duty, heavy-duty, work trucks, commercial pickups. Higher AOV — bigger 0% wedge versus competitor APRs.
Independent and franchise used-car lots. Specialty lenders charge premium rates here; 0% changes the conversation.
Certified pre-owned premium brands, luxury used. High-margin sales where buyer financing is the conversion blocker.
Touring, sport, cruisers, off-road. Powersports financing is fragmented; 0% is the differentiator.
RVs, travel trailers, boats. Multi-year terms fit perfectly — true 0% versus 8–15% specialty-lender rates.
Qardon.com works for every dealer and every buyer. Any dealer, any country, any background can list. Every customer who walks onto your lot gets a financing option that's genuinely better than any competitor offers.
Many of your customers are actively looking for genuinely interest-free vehicle financing — for personal, financial, or values-based reasons. Most have been forced to pay cash or accept conventional auto loans. A 0% qardon.com option converts these buyers — they prefer paying you the asking price in installments over paying a bank.
Other customers don't care about the principle — they care about the savings. A buyer financing a $35,000 car over 48 months at 8% APR pays roughly $6,100 in interest. At 0%, that's zero. The 0% product is irresistible regardless of buyer profile.
Account creation is at the top of this page — no long form, just the essentials. First 100 dealers get free setup and priority DMS integration onboarding. Billing begins when Stripe Connect goes live.
Captives are subsidized financing arms of the manufacturer — useful when there's a promo, but they push specific models and they're tied to your franchise. Qardon.com is universal: any model, any make, used or new. The 0% is genuinely 0% on every term length, not a teaser. You get paid upfront in 2 business days, same as a captive. The 2.9% fee is your only cost.
Phase A is live today: qardon.com (the for-profit tech subsidiary) pays you upfront minus 2.9%, then collects buyer installments at 0%. Phase B activates when qardon.org (the independent 501(c)(3) nonprofit) completes its state-by-state lending license: then qardon.org pays you cash at a negotiated industry cash discount (3–7%, smaller than the 2.9% transaction fee but it's actual cash), owns the receivable, and the captured cash discount funds qardon.org's lending pool. Phase B is a cleaner economic structure for everyone; Phase A is fully operational until Phase B reaches your state.
You're already paid in full at T+2. Default risk is on us, not on you. Our humane-default flow runs: grace period, restructure, Recovery referral if the buyer qualifies (medical, job loss, disaster), settlement, and only as a last resort — and only voluntarily — vehicle return. No collections agency in your name. No repossession in your name. Your customer remembers you as a great sale.
Three options: (1) CSV bulk-upload with VIN, year, make, model, mileage, asking price, condition notes, and photo URLs; (2) VIN-by-VIN manual entry in the dealer dashboard; (3) real-time API feed from your DMS — DealerSocket, Reynolds & Reynolds, CDK Global all integrated at launch. Sync latency under 15 minutes. See the integration preview for the technical details.
No. Universal access: any dealer, any country, any background can list. Every customer benefits from a financially better deal than any competitor offers. The pitch to your customers isn't a values pitch — it's "0% interest, true 0%, every term length, no penalty fees."
Qardon.com runs identity + creditworthiness scoring on every buyer at application time. Approval, conditional approval, or decline returns to your dashboard in seconds. We carry the credit risk — you carry zero default exposure. ECOA-compliant adverse-action notice is delivered to declined buyers automatically.
Trade-in valuation is integrated via Kelley Blue Book API and Black Book API. Buyer enters their trade-in details; we surface an instant offer; the value is applied against the down payment on the new vehicle. You handle the title transfer on the trade-in side; we handle the financing side.
Yes. Withdraw any time via the dashboard or DMS sync. Pending-sale items are locked until the transaction resolves (typically less than 24 hours from buyer application to close). Withdrawal events are logged for your records.