College Graduate Approval Program

Customer Eligibility


Applicant who will be graduating within 6 months or who has graduated within the last 12 months from an accredited 2- or 4-year college, graduate school (including Doctorate), nursing school, or trade school.
Applicant must provide proof of graduation-either a diploma copy or current transcript for the student who will be graduating within the next 6 months.



Customer Credit Qualifications


  • Individual applications only.
  • Payment-to-income cannot exceed 15% of gross monthly income
  • No derogatory credit history, past or present. No bankruptcies, foreclosures, or repossessions on any credit bureau report pulled by JPMorgan Chase.


Employment/Income


Applicant must have proof of employment and income. If employment has not yet started, a letter from the future employer that shows a start date within 90 days of the current date and salary is required, along with verbal verification from current or future employer.



Product Parameters


  • New Retail & Lease only
  • Maximum Term is 72 months on Retail
  • Maximum Term is 48 months on Lease

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