The T.O.P. Method™ stands for Take Over Payments. It's a structured way to buy or sell a vehicle using the financing that already exists on it. Instead of the buyer qualifying for a brand-new loan, the buyer takes over the seller's existing payments, with contracts, insurance, and every step documented, until the vehicle is paid off or refinanced. The seller gets out from under a payment they no longer want. The buyer gets the vehicle without starting from zero at a bank.
That's creative finance for vehicles in one idea: instead of cash or new credit, the deal is built around an existing loan or a new seller finance loan. Payment takeovers, seller financing, or a hybrid of the two. It's how deals get done when the traditional route doesn't fit. TOP Wheels coordinates that kind of deal from intake to keys, so both sides are protected the entire way.
Every TOP Wheels deal runs across six coordinated disciplines and a documented, phase-by-phase process. Here is exactly how each piece is handled — and how a live deal moves from intake to keys.
Each piece of the T.O.P. Method™ is its own discipline — select any one to see exactly how we handle it.
Every TOP Wheels deal runs through the same documented phases — so both parties always know exactly where things stand.
Have a creative finance deal that needs professional coordination? Submit your deal, book a call, or reach out directly — first response in under 2 minutes.