AI-Financing Spotlight:
Joseph Martin of CarWise

The challenge: creating deals that 
work for buyers

Joseph Martin is a hands-on partner across CarWise’s two locations in Illinois. He runs day-to-day operations, desks deals and stays closely involved in customer-facing processes.

Martin described a common reality for many independent dealers: deals don’t always fall apart because the team can’t sell: they fall apart because financing options don’t fit the customer’s situation.

“It’s tough as an independent dealer to get lenders, so we’re always looking for another avenue to deliver a car to everybody that walks in the door,” he shared.

Why Upstart: speed, flexibility and deals that make sense for the car buyer

Martin first heard about Upstart via his 20 group, and was drawn to Upstart’s ability to create terms that fit a customer’s budget, especially when it comes to monthly payment. 

“With other lenders, some deals just don’t make sense to the consumer because they can’t afford the payments. With Upstart, I’ve seen deals where customers had good down payments with single digit rates, and the payment was affordable,” said Martin.