An underwriter at Mallard Finance will review each proposal in depth rather than relying on a credit score or a computer. This means that we treat your customer as a human being not a statistic, so we can often help where other lenders can’t. We do not seek to compete directly with the traditional “Prime Lenders” but are increasingly lending to their typical customers. We often find that we can help where a customer has been “max advanced” or “max termed” or where the vehicle is seen by other lenders as too old or has too many miles on the clock.