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 carry the buyer on one fixed price that never grows, secured by the title in your name — or, when the community fund has capital, it pays you your cash price at closing and carries the buyer itself. Collection runs through the closing professional or a licensed servicer with receipts. We sync with your DMS. Higher conversion on every customer, regardless of who they are.
Buyers who cannot pay cash today make you a written offer — down payment, months, fixed total — and you accept, decline or name your own shape. $50 per seat per month; 2% of a sale we bring you, paid at closing (min $100, cap $500). Compare: Cars.com / AutoTrader charge dealers $300–800 a month to exist, plus $40–200 a lead.
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.
You keep the paper and the payments: the down payment at closing, then the fixed monthly amount, on a price that never grows. A licensed closer handles the contract, the lien and the collection. We charge you 2% of the sale we brought you, at closing, from your side — the buyer pays us nothing.
$50 per seat per month. 2% of the sale price on a deal we bring you (min $100, cap $500), paid at closing from your side. Nothing on deals you bring yourself. Compare: Cars.com / AutoTrader charge dealers $300–800 a month to exist, plus $40–200 a lead.
| Revenue layer | Amount | Paid when |
|---|---|---|
| Dealer subscription The whole dealership — unlimited inventory, no per-unit charge |
$50/month per seat | Monthly subscription |
| Dealer subscription — Enterprise Large dealer groups, multi-location |
$50/month per seat | Monthly subscription |
| Deal share Only on a sale qardon.com brought you; from your side, never the buyer |
2% of the sale price · min $100 · cap $500 | At closing |
| Deals you bring yourself Your own customer, through our rooms and ledger |
$0 | Never |
| Default-management fee Hardship, restructure, and missed-payment handling |
$0 — the closer or servicer handles it under the signed instrument | Never |
All fees disclosed upfront. No setup fee. The closing professional's own charges are his and are disclosed by him; the buyer pays qardon.com nothing.
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. Free setup and priority DMS integration onboarding. Seven days to look around; billing runs inside your qardon account when that rail opens.
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 keep the paper and the price of waiting. $50 a seat and 2% of a sale we bring you are your only costs.
Today you carry the buyer yourself on a fixed price, with the paper in your name and a licensed closer between you. When the community fund (qardon.org, the awqaf of ordinary people) has capital for your state, it can instead pay you your cash price at closing and carry the buyer itself; that lane opens state by state and is announced plainly when it does — nothing is promised before it exists.
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.