Bank on Us for Streamlined Auto Financing
Accelerate approvals and integrate seamlessly with dealer management systems (DMS) to dominate the high-speed vehicle lending market.
The Modular Foundation for Service Delivery
Access to fully compliant, modular, core banking services, allowing institutions to launch products rapidly without managing complex backend infrastructure.
Digital Origination and Dealer Integration
Our platform enables rapid, point-of-sale financing through API integration with dealer networks, allowing for instant quotes, digital application submission, and automated approval workflows.
Rapid Dealer Integration API
Provide dealers with a clean API interface to submit applications directly from their loan origination software (LOS) for near-instant decisions.
Customized Vehicle Valuation
Integrate with third-party valuation services to instantly assess collateral value, mileage, and condition, automating the loan-to-value (LTV) calculation.
Point-of-Sale Decisioning
Utilize pre-configured, automated underwriting rules to deliver rapid loan approval or denial decisions at the point of sale.
Collateralized Risk and Regulatory Adherence
Mitigate collateral risk with automated valuation and title tracking, ensuring full compliance with consumer financing laws and accurate asset registration throughout the loan life cycle.
Real-Time Collateral Tracking
Track the vehicle's title, registration, and status updates through connected systems, ensuring collateral integrity and lien perfection.
Automated Consumer Disclosure
Generate all required state and federal consumer financing disclosures and forms automatically during the application process to ensure auditability.
Structured Regulatory Reporting
Ensure granular, auditable reporting on loan segmentation, interest rate caps, and other regulations specific to consumer vehicle credit.
Specialized Servicing and Loss Mitigation
Our servicing module provides tools for managing complex payment structures, handling defaults efficiently, and accurately processing collateral dispositions, maximizing portfolio health.
Dynamic Payment Structures
Configure flexible payment options, including seasonal payments, balloon payments, and skip-a-pay features, tailored to the borrower's needs.
Automated Repossession Workflow
Streamline the default and repossession process with automated scheduling, notifications, legal document generation, and final collateral disposition accounting.
Mid-Term Adjustment Engine
Efficiently process mid-term loan modifications such as lease buyouts, refinances, and rate adjustments while maintaining perfect ledger integrity.