MOTRIX.
APP
|
← Full glossary
FINANCE

Tier 1 / Tier A+

The top credit tier on a captive lender's rate sheet. Unlocks the lowest [money factor](/glossary/money-factor) and APR.

// Why it matters

Captive lenders (GM Financial, Ford Motor Credit, Toyota Financial, BMW Financial, etc.) tier customers by credit score on internal rate sheets — typically Tier 1 / A+1 at the top (usually 740+ FICO), then Tier 2, 3, 4, and so on. Top-tier customers get the advertised national buy rate; subprime tiers can pay 3-8 percentage points more. Always ask the F&I manager which tier you priced in at — if the answer is anything but Tier 1 with a 740+ score, the dealer is rate-bumping you. Captive tier breakpoints are published on rate sheets dealers receive monthly; sites like LeaseHackr post region-specific copies.

Skip the glossary entirely.

Motrix's AI agents know every term on this page and use them against the dealer on your behalf. $0 today, $399 only when your deal closes.

Start a deal — $0 until you sign →