What you receive
Screened. Complete. Consented.
- Screened
- Checked against your credit box before it is sent.
- Complete
- Vehicle, current loan, income, employment and identity in one record.
- Consented
- A written FCRA instruction from every applicant, stored word for word.
How it works
Three steps from your credit box to live.
Share your credit box and your API documentation.
We check every application against it before it is sent.
We build to your spec and test in your sandbox.
By API into your system, or to your portal.
Go live: applications that fit your credit box are sent to your system.
You review each one and make the credit decision.
Consent and compliance
You make every credit decision. We never approve or decline.
- Consent record
- Every consent is stored word for word, with a timestamp, the applicant’s IP address and a tamper-evident log. It is available to you for any application you receive.
- Calls and texts
- When an applicant gives it, consent to calls and texts from the partner that receives the application.
- Public disclosures
- Our disclosures, privacy policy and licensing are public at /privacy and /licensing.
- Social Security numbers
- Encrypted, and the full number is deleted from our systems 30 days after the application is sent.
- Bot check
- Every application starts with an automated bot check.
Talk to us
Partnerships, integration and compliance questions.
Eddie Turner, Partnerships
Main line (929) 460-2044, Mon–Fri 9–6 ET
111 Town Square Pl, Ste 1238, Jersey City, NJ 07310
Talk to our partnerships teamRefinancing your own car?
See how it works for drivers, what you will need, and how to apply.