Take Over the Payments Sometimes Dealers Finance Co. will have a customer who didn't fulfill their payment obligations or whose circumstances changed and they could no longer afford their car payment. In some cases Dealers Finance Co. will hold those vehicles for another customer to “Take Over the Payments” and assume the unpaid principal obligation of the former customer. This can provide the new customer with a savings because the first customer will have made a down payment and paid down against the original amount due. These “Take Over the Payments” vehicles undergo the same 100 + point certification inspection as vehicles offered through I-35 AutoMall and are eligible for the Heartland Service Plan.