Abstract: The Advantage2U® system is an on-line system that increases the buying power of customers, enables customers to pay down a vehicle loan more quickly than the standard payments for the loan term would allow, and enables customers with negative equity in a vehicle loan to more quickly reach a position of positive equity. The Advantage2U system accomplishes this by collecting weekly payments from customers, instead of monthly payments from the customers. Since vehicle loans require monthly payments, the Advantage2U system collects one quarter of the total monthly payment per week. However, since this results in the customer paying one quarter of the monthly payment for 52 weeks in a given year, instead of the customer making 12 monthly payments, the customer has effectively made 13 monthly payments in a given year, and the extra amounts paid are directly applied to the principal of the loan.

Abstract: The Max Allowance? system is an on-line system that connects customers seeking to sell/trade an automobile with auto-dealers seeking to purchase used automobiles. By utilizing the “retail-down, considerate cash offer” approach of the on-line system, auto-dealers are able to formulate an offer for the customers’ automobile(s) that serves to entice them to contact the auto-dealers because said offer is more considered than offers generated using the common “wholesale-up” approach. The MAX Allowance? system gives auto-dealers confidence that they will be able to compare online disclosure against in-person vehicle inspection condition and improve their percentage of vehicle acquisitions while maintaining a desired amount of profit upon resale of the acquired vehicles.

Abstract: The Max Allowance® system is an on-line system that connects customers seeking to sell/trade an automobile with auto-dealers seeking to purchase used automobiles. By utilizing the “retail-down, considerate cash offer” approach of the on-line system, auto-dealers are able to formulate an offer for the customers' automobile(s) that serves to entice them to contact the auto-dealers because said offer is more considered than offers generated using the common “wholesale-up” approach. The MAX Allowance® system gives auto-dealers confidence that they will be able to compare online disclosure against in-person vehicle inspection condition and improve their percentage of vehicle acquisitions while maintaining a desired amount of profit upon resale of the acquired vehicles.

Abstract: The Advantage2U® system is an on-line system that increases the buying power of customers, enables customers to pay down a vehicle loan more quickly than the standard payments for the loan term would allow, and enables customers with negative equity in a vehicle loan to more quickly reach a position of positive equity. The Advantage2U system accomplishes this by collecting weekly payments from customers, instead of monthly payments from the customers. Since vehicle loans require monthly payments, the Advantage2U system collects one quarter of the total monthly payment per week. However, since this results in the customer paying one quarter of the monthly payment for 52 weeks in a given year, instead of the customer making 12 monthly payments, the customer has effectively made 13 monthly payments in a given year, and the extra amounts paid are directly applied to the principal of the loan.