Frequently Asked Questions


Where can I use my line of credit? Your account is automatically set up to make auction purchases across our Universal Source Network, consisting of more than 1,000 auctions. You can find these locations using our auction finder.

Can I use my line of credit outside your Universal Source Network? Yes, on qualified accounts. If you would like to purchase units from outside our network, please contact your Performance Manager to get set up for non-auction purchases.

Can I use my floor plan to finance trade-ins and non-auction purchases? Yes, on qualified accounts. Please confirm eligibility with your NextGear Capital Performance Manager.

Who has access to my account and how can I protect my information? Generally, only the contract signer has access. However, you can enable PIN code protection via your Account Portal to give access to whomever you’d like.

I need help logging into my account. If you’ve forgotten your password, click the “Forgot your username or password” button on the login page. You can also contact Account Portal Support at 888-969-3721


Does NextGear Capital handle title work? NextGear Capital can process state work on full titles for the following states: AZ, CA, FL, IL, IN, MI, MO, MT, NC, OH, OK, PA, SC, SD, TN, UT, WV and WI.

Where can I see my title images? Titles with watermark can be viewed via your Account Portal by selecting the “Floor Plan” tab.

Can I request a title be sent to me or to an auction prior to a unit selling? Yes. You may borrow a title for funding purposes using the Title Release Program found in your Account Portal. However, if you require a title for state, salvage or lien work, you will need to contact Client Services at 888-969-3721

When I pay off my loan, when will I get my title? If the loan is paid off by 6pm in your local time zone, the title will be shipped the same day. If the loan is paid off after 6pm, it will ship the following day. In which states does NextGear Capital have a lien code? NextGear Capital participates in ELT for the following states: AZ, CA, CO, FL, GA, LA, MA, MD, MS, NC, NE, NJ, NV, NY, OH, PA, SC, SD, TX, VA, WA and WI. How do I get a title to an auction when I sell stock? If you sell a car at an auction, first make sure it is registered and sold under the accurate business name. Units sold at Manheim will be automatically handled. For non-manheim transactions, you can request to have titles sent via email or by logging into Account Portal and requesting a title via chat.


I took a vehicle on trade that has an outstanding loan. Can I use my floor plan to pay it off? NextGear Capital is able to pay off consumer loans for qualifying accounts under our Consumer Loan Payoff Program. Please confirm eligibility with a NextGear Capital Performance Manager.

How do I know if my account qualifies for the Consumer Loan Payoff Program? Please confirm eligibility with your NextGear Capital Performance Manager. How long do I have to submit my request for a consumer loan to be paid off? NextGear Capital must receive Consumer Loan Payoff requests within 30 days of purchase. The trade allowance is higher than the payoff on the loan. Can I be funded the difference? Upon request, NextGear Capitalwill finance equity up to the trade allowance or book value; whichever is less. Equity requests must be a minimum of $500 and are deposited to your unapplied funds account 24-48 hours after the payoff check is sent.


How can I determine what is left on my audit to clear? Log into your Account Portal to locate details in the My Audits dashboard.

Are pictures required for reconciliation? Yes. The following photos are required: Odometer, VIN, front driver’s side and rear passenger side. Dealers must use a mobile device to verify vehicles with photos. Where is the word of the day located? The word of the day can be found at the top of the home page on NextGear Capital’s website.


Am I required to have physical damage insurance on my units? Yes. If you are not participating in NextGear Capital’s Collateral Protection Program, you must submit evidence of 66% credit line coverage, with NextGear Capital listed as Loss Payee.

What if I have a question not covered here? We’re here to help. Contact your Performance Manager or our Customer Service Center at 888-969-3721.