EN · United StatesAuto financing software,
from dealer to title
Dealer applications, vehicle checks, collateral tracking and repayments in one system for auto lenders and captive finance.
Connects to 1,700+ services out of the box
How it works
From the showroom
to the last payment
Four steps, one system. Dealers, risk and collections see the same vehicle and loan.
- 01ApplyAt the dealer, online or in a branch. Dealers submit in minutes.
- 02VerifyRegistration, accident, insurance and lien data pulled automatically.
- 03DecideRules weigh the borrower and the vehicle, then approve or route.
- 04Fund & trackThe dealer is paid and the lien is tracked until release.
Working with buyers and dealers
Tools for
buyers and dealers
Dealers submit, buyers sign and pay, and your team sees every vehicle deal in one place.
Applications from the showroom
Dealers file applications at the desk, and buyers can finish them online later.
Deal status, pushed to everyone
Approvals, conditions and signing reminders reach buyers and dealers automatically.
Dealer and buyer incentives
Bonus programs for dealers, promo codes for buyers and manual adjustments.
Buyer portal
Buyers check the schedule, repay early, refinance or request a title release.
Deal documents generated
Credit agreements, lien documents and insurance letters are filled and signed automatically.
Decisioning
Borrower and vehicle,
checked together
Up to 100 vehicle parameters are requested automatically alongside bureau and anti-fraud checks, with no operator involved.
- Vehicle data in one passRegistration, accidents, insurance and liens.
- Collateral you can seeKnow which assets are pledged and at what stage.
Checks and payments
Buyer, vehicle and payment checks
The buyer and the car are verified together, and dealers get paid as soon as the deal is signed.
Client checks
Buyer and vehicle checked in one pass:
- Anti-fraud servicesSynthetic ID and dealer fraud checksPass
- Identity verificationDriver licence, selfie and livenessPass
- Credit bureausCredit history and existing auto loansPass
- Vehicle registriesVIN, title and lien recordsPass
- Vehicle valuationMarket value and mileage dataReview
- Insurance dataPolicy status and coverageAuto
Payment infrastructure
Payouts to dealers, payments from buyers:
- Bank transfers
- Direct debit
- Cards
- Instant payments
- Dealer accounts
Loan servicing
Every vehicle and every
payment on one screen
Manage collateral, assign owners, rerun checks and follow the schedule until the lien is released.
- Payments calculated to the centInterest, fees, insurance and schedules are calculated by a dedicated engine with 200+ configurable parameters. Staff can still adjust any amount by hand, and every change is logged.
- Auto programs configured, not codedDealer programs, terms and collateral rules are set in the admin panel without a release.
- Alerts on every recalculationRate changes, insurance renewals and late fees notify the buyer and the dealer.
Reporting and analytics
From dealer volume to residual value
- 25+ ready reportsApproval rates by dealer, portfolio by model and year, delinquency and recoveries.
- BI and analyticsExport deal and collateral data to your BI tools for deeper analysis.
- Accounting and taxDisbursements, dealer fees and tax entries post to your local accounting systems.
Integrations
Plugs into what
you already use
Payments, KYC, open banking, credit data, messaging and e-signature, ready to switch on.
1,700+
connectors across 172 markets
Portals
One platform, three portals
Everyone works in the same system and sees only what their role allows.
Customer portal
Borrowers apply, repay, extend and track loans online.
Staff portal
Managers, analysts, risk, verifiers and collectors work side by side.
Super-admin portal
Products, roles, permissions and rules change without a release.
A seat for every role
Each person sees exactly what their job needs, nothing more.
- Loan manager
- Analyst
- Risk manager
- Verifier
- Collector
- Operator
- Supervisor
- Manager
- Super-admin
Questions
Frequently
asked
Didn’t find the answer? Write to us and we’ll reply within one business day.
Which vehicle data is checked automatically?+–
Registration, accident history, insurance and lien data: up to 100 parameters from external sources.
Can dealers submit applications themselves?+–
Yes. Dealers get their own portal where they enter the buyer and the vehicle, upload documents and see the decision and the offer right away.
How is collateral released?+–
When the last payment arrives, the system closes the loan, releases the lien and sends the release documents to the borrower and the registry.
Does it support leasing?+–
Yes. Operating and finance leases run on the same platform, with their own schedules, buyout options and documents.
How long does implementation take?+–
A standard SaaS launch takes 1–2 weeks. On-premise installations and migrations from another system usually take 6–10 weeks.
Full auto financing specification
82 features with the integrations that come ready, on one page you can print or save as PDF.
Book a demo
See lendhero on your
own products
We’ll walk you through the platform, show what matters for auto financing and answer questions about your business.
- A 30-minute call
- A walkthrough on your products and markets
- Answers on timeline, integrations and pricing