Legal

These terms cover dealerlessfl.com, run by Dealer-Less, 5019 Denver St, Tampa, FL 33619 (“Dealer-Less”, “we”, “us”). By using the site, you agree to them. How we handle your information is in our privacy policy, and texts are covered by our text messaging terms.

Using this website

This site describes our services and lets you contact us, book a consultation and apply for financing. You agree to give us accurate information and not to misuse the site: no attempts to break in, overload it, copy it in bulk or send someone else's information without their permission.

The site links to other websites, such as Facebook, Instagram, Google Maps and dealer listings. We don't control them and aren't responsible for their content or their privacy practices.

The Dealer-Less name, logo, text and design on this site belong to Dealer-Less. Please don't reuse them without asking.

Vehicles, prices and availability

We work to keep listings accurate, but details can be wrong or out of date. Every vehicle is subject to prior sale. Photos, features, options, mileage and prices may differ from the actual vehicle, so confirm everything with your consultant and on the paperwork before you buy.

Prices don't include sales tax, tag, title, registration, dealer fees or other government charges unless the listing says so. A price on this site isn't an offer to sell, and we may correct errors at any time.

Financing

Dealer-Less is not a lender. Financing comes from the banks, credit unions and finance companies we work with, and every loan is subject to the lender's approval and terms. Your rate, term and payment depend on your credit, the vehicle and the lender. Any payment or rate we mention before approval is an estimate, not an offer of credit.

Online credit application

When you submit our credit application, you agree to the following (wording version 2026-09-26.2):

I certify that everything in this application is true and complete. I authorize Dealer-Less, and the lenders and credit unions Dealer-Less sends my application to, to obtain my consumer credit report and to verify the information I gave, including my employment and income, in connection with this application for credit. I understand that Dealer-Less may send my application to more than one lender, and that applying does not guarantee approval.

I instruct Dealer-Less to obtain my credit report and credit score now through a soft inquiry, to see which lenders and loan programs I may qualify for. A soft inquiry does not affect my credit scores.

I agree to sign this application electronically. Typing my name below has the same effect as signing it by hand.

If someone applies with you, you both also confirm:

We intend to apply for joint credit. We are applying together, and if the credit is approved we will both be responsible for it.

• We start with a soft credit check, which you can see on your credit report but other lenders can't, and which doesn't affect your scores. Lenders that review your application may then run their own credit check.
• Applying doesn't guarantee approval. Each lender that reviews your application will tell you its decision, including the reasons if it turns you down.
• You don't have to tell us about alimony, child support or separate maintenance income unless you want it considered when you apply.
• Your application is encrypted when it's sent and while we store it. Only the consultant handling it and our managers can see your full Social Security number, and every view is logged.
• Federal law requires us to keep credit applications for 25 months. We delete them automatically after that.
• To withdraw an application, or ask about one, call 813-453-8188.

Equal credit opportunity

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning Dealer-Less is the Federal Trade Commission, Consumer Response Center, 600 Pennsylvania Avenue NW, Washington, DC 20580.

Our advice

Our consultants explain offers, contracts and your options so you can decide. We aren't attorneys or tax advisors, and nothing on this site or from our team is legal or tax advice.

Disclaimer and liability

The site is provided “as is”. To the extent the law allows, Dealer-Less isn't liable for losses that come from using the site or relying on its content. Nothing here limits rights you have under Florida or federal consumer protection law. These terms are governed by the laws of Florida. We may update them; the date at the top shows the latest version.

Accessibility

We want everyone to be able to use this site. If any part of it is hard to use with a screen reader, keyboard or other assistive technology, call 813-453-8188 or email dealerlessfl@gmail.com. We'll help you directly and fix the problem.

Contact us

Dealer-Less, 5019 Denver St, Tampa, FL 33619. 813-453-8188, dealerlessfl@gmail.com.