Do I need my own lender relationships?

No. That's the whole point. Through AutoFund PRO, our experienced finance managers submit your deals to their established lender network. You get access to financing without building relationships yourself.

How does the credit application work?

You send your customer a link via text or email. They complete the application on their phone—personal info, employment, income, SSN, everything lenders need. The data flows directly into the deal in your CRM. No paper, no re-typing.

What credit scores can you get approved?

Our finance managers work with lenders across the credit spectrum—prime, subprime, and deep subprime. We can't guarantee every application gets approved, but we structure deals to maximize approval odds.

What does AutoFund PRO cost?

One-time $1,500 setup to analyze your market and configure lender access. After that, you only pay when we make you money—33.5% of the backend profit we generate. No backend profit, no fee.

What's 'backend profit' exactly?

Backend profit is money made from financing and F&I products: financing reserve (markup on the interest rate), extended warranties, GAP insurance, credit life, and more. A good F&I manager generates $1,500-2,500 per financed deal. Most of that goes in your pocket.

Is the credit application secure?

Yes. Our credit application uses bank-level encryption. Customer data is transmitted securely and stored in compliance with industry standards. This is critical for protecting SSNs and financial information.

Can customers apply on their phone?

Yes—that's how most do it. The application is fully mobile-optimized. Customers complete it in 5-10 minutes from anywhere. You can send the link via text while they're standing on your lot or after they leave.

Do I need F&I experience to offer financing?

No. That's exactly why AutoFund PRO exists. We provide the F&I expertise so you don't need it. Our finance managers handle lender submissions, deal structuring, and product sales. You focus on selling cars.

How long does it take to get approved?

Once a credit application is submitted, our team typically has initial lender responses within hours. Complex deals may take longer, but we work quickly to get you answers.

What if the customer doesn't get approved?

Not every customer qualifies—that's reality. But you've lost nothing by trying. And even if they don't qualify for prime financing, they might qualify for subprime. We explore all options before giving up.

Offer financing.
Close more buyers.

Most customers need a loan. If you can't offer financing, they'll go to a dealer who can. With Dealer Essential, collect credit applications and access lenders—even without an F&I department.

Financing Made Simple

Digital Credit Apps

Text customers a link. They apply on their phone. Data flows into your CRM instantly—no paper, no re-keying.

Lender Network Access

No lender relationships needed. Our AutoFund PRO team submits to multiple lenders and gets you approvals.

Backend Profit

Every financed deal generates $1,000-2,500+ in F&I profit. We help you capture it.

Cash Only → We Finance

Simple, powerful, and designed for speed

Step 1

Customer Applies

Text them a link. They complete the credit app on their phone in 5 minutes. It lands in your CRM instantly.

Scroll to continue

Cash Only → We Finance

Simple, powerful, and designed for speed

Customer Applies

Text them a link. They complete the credit app on their phone in 5 minutes. It lands in your CRM instantly.

We Submit to Lenders

One click sends the deal to AutoFund PRO. Our finance managers submit to multiple lenders and negotiate the best terms.

You Close & Get Paid

We get the approval and structure the backend. You sign the customer and keep the profit.

Integrated Lender Network

One Platform. Every Lender.

Submit to multiple lenders simultaneously. Get decisions in minutes, not days. Click any lender to learn more about the integration.

Lender Network

RouteOne

Access 1,800+ lenders through one integration

Learn more

DMS Integration

DealerTrack

Cox Automotive's comprehensive dealer platform

Learn more

Subprime Specialist

Westlake Financial

Fast subprime approvals, 24-hour funding

Learn more

Portfolio Program

Credit Acceptance

Upfront advances + ongoing portfolio income

Learn more

Prime Financing

Capital One

Premium rates for qualified buyers

Learn more

Prime Financing

Ally Auto

Franchise-level rates for independents

Learn more

Near-Prime

Santander

Bridge the gap between prime and subprime

Learn more

Credit Unions

CUDL

Access 1,100+ credit unions, lowest rates

Learn more

1,800+

Lenders Available

<2 min

Avg. Decision Time

1 Click

Multi-Lender Submit

What Financing Unlocks

Real results that drive your dealership forward

Keep 60% More Buyers

Most buyers need financing. Say 'cash only' and they leave for a dealer who can help. Say 'yes, let me send you our credit app' and you're back in the game. Simple as that.

Make $1,500+ More Per Deal

Every financed deal has backend profit hiding in it—financing reserve, warranties, GAP. Franchise dealers capture $1,500-2,500 per deal. With AutoFund PRO, you keep 66.5% of that profit. That's $1,000+ you weren't making before.

Trusted by Dealers Nationwide

Marcus Williams

Owner, Gateway Auto Sales (12 cars on lot)

I was cash-only for 6 years. Thought financing was too complicated. First month with Dealer Essential, I financed 4 deals I would have lost. That's at least $8,000 in gross profit I was just giving away. Now I tell customers 'Yeah, we can get you financed' and watch the relief on their faces.

Common Questions

Everything about financing for independent dealers

Still have questions? Visit our support center or book a free demo

Ready to start financing deals?

Digital credit apps. Lender access. Backend profit. Stop losing customers who need financing.

Stock the Lot

Attract Buyers

Work the Deal

Manage the Business

Help & Support

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Offer financing.
Close more buyers.