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If you spend your days in a dealership, you know that credit is where momentum can either build or die.
A lead looks promising. The conversation’s good. Then you pull up the credit file — and everything slows down.
Is this a subprime deal? A newcomer with no bureau history?
Do you need a co-signer, a longer term, a different lender?
Those few minutes of hesitation might not sound like much, but multiplied across a team and a week of leads, it becomes hours of lost time.
And worse — it becomes lost opportunities.
For years, we’ve heard the same thing from dealers: “I just wish we had a clearer way to know what we’re looking at right away.”
So we built one.
Dealers have more data than ever before. Between credit bureaus, trade-ins, and lender programs, information isn’t the problem — interpretation is.
Every F&I manager has their own method of decoding a credit file. Some highlight debt-to-income ratios, others focus on payment history.
New salespeople, on the other hand, often don’t know what to look for yet.
That means even simple questions can trigger delays:
What happens in those moments is subtle but important — momentum fades.
The customer feels the pause.
The salesperson loses confidence.
And deals that could have been structured properly never even make it that far.
That’s the problem Credit Insights was designed to solve.
When we started designing Credit Insights, the goal wasn’t to add another dashboard or layer of data.
It was to make credit human again — to give sales and finance teams the kind of instant understanding that the best F&I veterans have, built right into their workflow.
Here’s how it works in practice.
Every time a customer applies through AVA™ Credit, the system automatically analyzes their data in real time.
Instead of a dense report, the dealer sees a small, color-coded tag beside the lead:
Prime, Subprime, Newcomer, or Negative Equity.
Click that tag, and the dealership sees a short summary of what’s going on and a few recommendations — which lender programs to consider, what structure makes sense, and where to start the conversation.
It’s not about replacing judgment. It’s about giving teams the context they need to make faster, smarter calls.
The more you use Credit Insights, the more you start to recognize patterns.
Every lead fits into a story — and each one needs its own approach.
They’ve had credit challenges, but they’re trying to get back on track.
Traditionally, these customers required heavy manual review.
Now, dealers get an instant flag and lender recommendations that match subprime profiles, helping them reach an approval without endless trial and error.
Maybe they just arrived in Canada, or they’re buying their first vehicle.
Before, that lack of history might have scared off a salesperson.
Now, dealers can identify newcomer profiles immediately and guide the customer to the right lender programs — often turning what looked like a dead end into a win.
This customer wants to trade but still owes more than the car is worth.
Credit Insights flags the gap and offers strategies to close it — refinance, trade-up, or restructure.
Instead of saying “sorry, can’t help,” dealers can have a different conversation: “Here’s how we can make this work.”
These are the easy wins — great credit, low risk.
But even here, the insight helps by surfacing high-margin lenders and upsell opportunities.
It’s not about if the deal closes, it’s about how profitably it closes.
Because Credit Insights is built right into the Dealer Portal, there’s no setup, no integration work, and no new software to learn.
The insights appear instantly, and notifications go out automatically.
A sales rep can see a lead, recognize the type, and act within seconds — or get an email alert if a new high-value credit lead appears.
F&I can stay aligned without the constant back-and-forth.
What used to take ten minutes of digging now takes one glance.
In early pilot tests, dealers described it the same way: relief.
“Before, every subprime lead took forever to sort through. Now I know exactly where to start.”
— General Sales Manager, Ontario
“We had a newer sales rep close their first credit deal on their own using Credit Insights. That used to take weeks of training.”
— Dealer Principal, Alberta
When we crunched the numbers, the results matched the sentiment:
But the real outcome wasn’t just speed — it was confidence.
Teams stopped hesitating. They started acting.
At Autocorp.ai, we’ve always believed that technology should make people more powerful, not less necessary.
Credit Insights doesn’t automate the relationship. It strengthens it.
It gives every salesperson — whether they’ve been at the desk for a week or a decade — the same foundation of understanding to work from.
That means fewer hand-offs, less confusion, and a smoother experience for both dealer and customer.
Credit Insights is now live in Dealer Portal.
You’ll see it automatically on every AVA™ Credit lead — no setup required.
Look for the new Insight badges in your Leads list, or open a lead to view the Insights tab for full details.
If you want to explore the feature as a team, you can book a quick training session with our Client Success team:
Credit has always been one of the toughest parts of the car-buying process.
It’s personal, complex, and often emotional — for customers and dealers alike.
By giving dealerships clear, actionable insight upfront, we’re not just improving the process — we’re rebuilding trust.
Customers get faster answers.
Dealers get the confidence to act.
And the industry gets a step closer to what automotive finance should feel like: transparent, efficient, and human.
The next level of Credit isn’t just about data.
It’s about clarity.
And clarity, in this business, is everything.
