You’re offering the best deals and terms in town—but are you doing it as quickly and easily as your competitors? Your customers want to be able to close, and manage, their auto loan or lease in minutes.
You need a single suite that delivers efficiency at every stage of the lending lifecycle, from the initial digital borrower interaction through automated decisioning, funding, servicing, collections, remarketing, and more.
Whether you're looking to transform your current loan origination system or build a brand-new finance company, our end-to-end solutions can drive growth and elevate both the lending and leasing experience for you and your customers.
Leading Origination Software for Captives
Streamline your auto lending and leasing process with a highly scalable system that provides peak performance during peak demands.
Self-service customization makes it easy to modify system in response to market shifts and unique business needs
Automated processes and workflows on a single platform provide scalability and improve look-to-book ratios
Out-of-the-box functionality and no-code configurability lets you quickly add products or lines of business
Seamless integrations with third-party application sources, credit bureaus, valuation guides and fraud detection services keep you current and compliant
Captive Auto Loan or Lease Servicing Software
Stay compliant with state and national regulations while streamlining your servicing, collections, and remarketing operations.
Automated account management services enhance customer communication while maximizing collections
Automation across workflows and processes reduce repetitive tasks and errors and improves regulatory compliance
External systems integrate seamlessly on a single, API-enabled platform providing real-time access to data and services
Loan or Lease Managed Services for Captives
Let us create a complete customer experience that fits your brand and operates as a seamless extension of your business.
Timesaving, technology-enabled services manage the day-to-day so you can focus on business strategy and market changes
Scalable solutions that address the complexities of any size portfolio while reducing IT and staffing responsibilities
Outsourced loan servicing by experts with decades of experience in the industry provides a white-glove borrower experience
The economy is slowing, customer expectations are rising, and digital auto lending is in demand. Today’s auto lending challenges will continue to affect the industry for years to come.
Delinquencies
When delinquencies rise, auto lenders need an increasing number of knowledgeable customer service experts able to handle higher volumes, address problems early, collect payment as contracted, and avoid defaults and costly repossessions. With trained staff, automated processes, and technology infrastructure ready, defi MANAGED SERVICING experts and experienced remarketing teams can reduce losses and mitigate impact on a lender's bottom line.
Customers
Borrowers today expect a fast and easy, digital-first process that revolves around their needs. A customer-first market means borrowers don’t need to stick to just one auto financing company or lending institution. Auto lenders must give customers quick answers, resolve disputes swiftly, and offer a digital payment process. defi MANAGED SERVICING offers lenders and their borrowers improved customer-response times and streamlined digital interactions.
Staffing
Employee attrition rates in contact centers have always been on the high end of the scale. Forward-looking auto lenders need technologies and teams to help them maintain a fully-staffed loan servicing operation. defi MANAGED SERVICES teams, using proprietary loan servicing software and providing the personnel needed to manage all aspects of loan servicing, free up a lender’s staff so they can focus on core business functions.
Processes
Auto lending contact centers are labor- and resource-intensive. They can bleed dollars and mistakenly introduce compliance risk and without automation and insights into customer service calls and fulfillment, it’s tough for auto lenders to ensure their teams are delivering a great customer experience every time. defi MANAGED SERVICES takes the worry out of lease servicing, loan servicing, and collections by providing teams of experts ready to take over operations with no additional product training.
Loan Originations Software Challenges
The economy is evolving, customer expectations are rising, and digital auto lending is in demand. Today’s auto lending challenges will continue to impact the industry for years to come.
Lengthy, complex application forms can discourage potential borrowers from completing the process or result in errors and omissions that delay the approval process. defi ORIGINATIONS simplifies and streamlines the loan application process with cutting-edge software and integrations that capture information digitally.
Lenders must be able to handle varying application volumes efficiently. Scalability can be a pain point, especially when sudden increases in demand strain your systems and lead to operational inefficiencies. defi ORIGINATIONS scales to meet your increasing loan volumes without affecting customer response times.
Lengthy approval processes, lack of transparency, and unclear communication can lead to a poor customer experience, which in turn can cause borrowers to become frustrated and abandon their loan applications. defi ORIGINATIONS provides the platform for quick approvals, full transparency, and constant communication among team members and with customers.
Verifying borrower information, income, employment, and assets is essential, but can be time-consuming. The process of gathering and reviewing application support documents may lead to delays. defi SOLUTIONS lets you automate the information verification and documentation management process so you can decision deals as quickly as possible.
What our clients say
“With defi, we were able to improve our service levels 25%, despite a 43% month-over-month increase in call volume.”
Captive lender
“We automated our servicing with defi SOLUTIONS and were able to decrease 276 manual tasks in a single queue down to only 5 tasks. That's a workload reduction of 98%!”
Captive lender
defi SOLUTIONS’ Suite of Products and Services
With defi SOLUTIONS' lending suite, you get efficiencies at every stage of the lending process. We offer a range of loan origination and servicing products to meet your needs.
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0%
of new vehicle financing held by captive auto lenders in Q3 2024
Source: Experian’s State of the Automotive Finance Market Report.
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of the lending lifecycle
defi offers complete, end-to-end solutions for loan or lease origination, servicing, and managed servicing. Our systems support direct or indirect, secured or unsecured lending, and include auto, RV, powersport, marine, and installment loans, personal credit lines, and more.
The defi SOLUTIONS ecosystem of partners connects captive auto lenders with more than 100 of the industry’s leading third-party integrations. Get access to everything you need to increase efficiency and maximize your bottom line across originations, servicing, and managed servicing.
Consumer Dynamics of Auto Refinance: What Lenders Need To Know in 2025
The demand for auto refinancing has exploded in recent years. This article examines the consumer dynamics of auto refinance and lender responses to them.
Discover the top loan servicing trends for 2023 and beyond. Explore defi SOLUTIONS' innovative solutions for efficient loan servicing. Stay ahead in the lending industry!
Backed by the best team in the industry with an extensive history and depth of expertise in auto finance. We have served the highest-volume lenders across North America for more than 30 years.
