The F&I lending advisor
Which banks buy this deal — and which cars on your lot fit this buyer
LendIQ answers both questions in one screen: ranked lender approvals for the deal in front of you, and the in-stock vehicles that finance for that buyer.
Self-serve setup — create your organization and first rooftop in minutes.
Which banks buy this deal
Paste the deal and the bureau. A deterministic engine runs every lender in your lineup — score tiers, LTV by book, payment-to-income, job time, vehicle age and mileage, term bands — and ranks who approves, who needs stips, and why the rest decline.
Which units on YOUR lot fit
Lot Match runs the same lender rules across your live inventory. For any buyer's approval, see the in-stock vehicles that finance — max advance, down payment to fit, estimated payment — ranked by approvals, gross, and age on lot.
Guidelines you can prove
Every lender value is registry-backed with provenance. Upload a lender guideline PDF and LendIQ extracts values with page-cited, verbatim-quoted evidence — verified by an independent pass before a human approves a single change.
Workflow
How it works
- 1
Capture the deal
Paste deal and bureau text (or use the capture extension). AI parses it into a structured profile — with FCRA consent recorded.
- 2
Get ranked answers
Approvals, tiers, advances, stips, and decline reasons per lender — computed server-side from compiled lender cards, never by a guess.
- 3
Rehash with the lot
If the structure doesn't work, swap the car: LendIQ shows the units that turn a decline into an approval.
Built for the desk, defensible to compliance
- Deterministic decisions — AI parses documents, it never decides the deal
- Prediction accuracy tracked against logged outcomes
- Audit trail on every credit-report access
- Per-organization data isolation, verified by automated tests
Put every deal in front of the right banks
Self-serve setup, your own lender lineup, and answers your desk can defend.