DecisioningIT - Meet Lucy, designed to get more customers approved

Using predictive AI to transform automotive lending

Predictive AI Loan-Matching & Customer Credit Management

Meet the Lucy Credit Decisioning Platform, designed to get more customers approved

Built by dealers, for dealers

An F&I Platform For Dealers

The Lucy Credit Decisioning Platform manages every aspect of the financing process. From consumer acquisition and credit pre-qualification to the nurturing of clients. Equip your F&Is with Lucy and get 85% of your clients approved for credit.

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An Online Consumer Application Form Widget

An online form for your dealer website, that uses a unique predictive AI
loan-matching system, consumers get approved 85% of the time, whether they have prime, near-prime, subprime or even deep subprime financial profiles.

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A Suite Of API Solutions

Technology partners access the Lucy software, resources and APIs to build complementary solutions to address their customer needs. Get more consumers financed, regardless of their financial condition.

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Partners & Integration

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50% increase in non-prime sales

The Lucy Credit Decisioning Platform was originally created by dealers in 2016. The DecisioningIT platform is built for dealer success. Stop losing deals to subprime specialists!

How it Works

The Lucy F&I Platform has been created by dealers, for dealers. The proof is in the pudding and Lucy was built and used by dealers for 5 years prior to its commercialization in April 2021.

In a nutshell, Lucy is driven by a cutting-edge AI engine that provides F&I managers with options other products simply cannot do. The idea is to help less experienced F&I managers with their sales while saving time for experienced F&I managers, for both prime and non-prime financing.

What Our Dealers Have To Say

LUCY is very practical. Notes on files, lender conditions, customer credit analysis (useful to break client expectations before being more gentle).

Geneviève St-Jules

Lucy is an essential tool for non-prime F&Is working in car dealerships. Crazy Lucy as we often call her will help us on several factors in our daily routine. Lucy allows me to forward complete files to collaborating institutions in just a click of the mouse.

Sasha Bouffard

When I get non-prime clients, Lucy really helps me. The lender conditions are also very useful.

Emilie Anne

In August 2020, Lucy was able to approve 21 clients of which we made 10 sales. These are 10 sales that we couldn't have done without Lucy. Our ROI is very high since the profitability generated by these non-prime sales largely exceeds the platform cost.

Marc-Olivier Richard

I love the fact that Lucy has paperless documents, automatic reminders, text messaging. Lucy boosted my production by at least 20% and that’s without counting on the automated credit decisions she produces!