What is a car floor plan actually costing you per unit? Daily interest + origination and monthly fees, plus a cost-by-days-held table. Compare NextGear, AFC, Westlake.
Your actual rate depends on credit, time in business, and unit count. Public disclosures + dealer-forum reports. Always get a written quote.
| Provider | Typical APR | Notes |
|---|---|---|
| NextGear Capital | 6.99–9.99% | Largest independent provider, owned by Cox Automotive |
| AFC (Automotive Finance Corp) | 6.5–10% | Owned by KAR Auction Services |
| Westlake Floor Plan | 7.99–12.99% | Easier approval, higher rates |
| Manheim Floorplan | 6.5–9% | Inventory bought at Manheim auctions |
| OPENLANE / ADESA Floor | 6.99–9.5% | Tied to OPENLANE marketplace |
Every car on your lot has a floor plan clock ticking. DealerVLO tracks days in inventory from the moment you add a vehicle, flags units past 60 days for repricing, and rolls cost-of-funds into your per-deal profit math so you can't forget to bake it in.
$99/month · No credit card to start · Cancel any time
origination + (vehicle cost × annual rate × days held ÷ 365) + monthly fees. On a $15,000 car at 8% APR held 60 days with $75 origination + $20/month, that works out to about $312, or 2.1% of the vehicle. Every extra 30 days adds another ~$100 of interest on a typical unit.