Credit approved before the customer leaves the lot
Fully digital auto financing: instant quoting, automated risk analysis, online contract signing, and direct integration with banks and lenders.
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from quote to financing approval when credit is fully digital (industry benchmark)
When financing stalls, the sale cools off
The car is chosen, the price agreed — and the deal gets stuck on credit. The bottlenecks that most often make buyers walk away:
Slow credit drives the buyer away
Paper-based financing, with trips to the lender and answers in days, cools the sale. The customer ready to close today is gone before the approval lands.
Manual risk analysis
Assessing income, credit history, and restrictions by hand is slow and inconsistent. The bottleneck stalls the deal and still lets through risk that should have been flagged.
Signing only in person
Requiring an in-store signature, with printed documents and notarization, adds a step nobody wants — and kills deals that were already won.
A sales cycle that runs too long
When financing drags, the whole sale drags with it. Every extra day between the offer and the disbursement is one more chance for the customer to give up.
From quote to signature, all in one flow
We bring the same credit infrastructure we built in financial services to auto lending, with fast approval and online closing.
Instant quoting at the point of sale
The buyer models payments, terms, and down payment in seconds, right at the desk or on their phone, without waiting on the lender. The negotiation happens with the real numbers on the table.
Automated risk analysis
Credit models and machine learning assess income, restrictions, and history in real time, with consistent rules. It's the same credit-infrastructure capability we built in financial services.
Digital contract signing
The contract is generated, signed, and formalized fully online, with legal validity. The customer closes from their own phone, with no printing and no trip to the store.
Integration with banks and lenders
We connect the journey to bank and lender APIs, submitting the application, returning the approval, and releasing credit end to end, in a secure, auditable flow.
Automotive financing Luby put into production
Credit journeys built to approve fast and close online.
Technologies & partners
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Node.js
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PostgreSQL
AWSNode.jsPythonPostgreSQLAWSCommon questions about digital financing
Let's digitize your financing
Bring your auto credit challenge. You'll leave the conversation with a clear technical path, from instant quoting to bank and lender integration.