"Statistics have shown that dealerships that utilize the Equity Advantage Program enable their customers to purchase approximately 60% more F&I Product on a bi-weekly deal as opposed to standard retail deal." 

Welcome Dealer's to the Equity Advantage Program!

The Equity Advantage Program, also known as "Half-Pay" or “Bi-Weekly”, is a valuable product offered via the web, or incorporated into the MenuVantage solution. The bi-weekly payment service is made available via a strategic alliance between U.S. Equity Advantage, LLC (USEA) in partnership with Wachovia Bank, N.A. 

This Equity Advantage Program allows the customer to make their car payments by having their checking or savings account debited for ½ of their car payment every 2 weeks.  Instead of making 12 monthly payments, the customer will make 26 half payments, which means that 1 extra car payment per year is applied to principal.  By utilizing the Equity Advantage Program, a dealer can offer additional products to the customer while maintaining virtually the same monthly payment and keeping the loan term essentially the same as the original conventional loan term.

U.S. Equity Advantage, LLC has become the industry leader in the automated bi-weekly processing of vehicle loans.  This has been accomplished by leveraging our relationships with MenuVantage and Wachovia, N.A.,.  The Equity Advantage Program is now active in 1000+ dealerships in all 50 states, including two of the major public auto groups.

How does the Equity Advantage Program work?

The Equity Advantage Program is a service that manages the customer’s loan payments.  U.S. Equity Advantage, LLC is NOT a lending institution, but works with any lender that finances the customer’s automobile.  The program restructures how the payment is applied to the lender without changing the current terms and conditions of the loan.