Customer Credit Management Automated Decisioning

Our Solutions

Automated credit decisioning for your consumer financing needs.

Powerful Features

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Organize and make decisions

With access to financial institutions' programs, Lucy can direct credit applications to the right lenders that will work best for the consumer.

Options available after decline

Historically deals that are declined are typically cascaded to multiple lending institutions or discarded with no follow up.

Reporting system

Lucy can provide dealers, OEMs and financial institutions detailed finance loan reports which include how many subprime loans were seen.

Technology under your roof

A machine learning system designed to accelerate your specialized credit capabilities. Streamlined to perform analysis in real time while mitigating risk for lenders and borrowers.

Subscription Packages

Lucy F&I Platform

An automated decisioning platform that works in tandem with DMS, CRMs and portals. Lucy allows dealers to dispatch and work directly in a CRM.

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Consumer Widget

This is a plug and play (widget) solution that can pre-qualify any finance lead directly on the dealership website (prime or non-prime).

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API Solutions

Technology partners access the Lucy software, resources and APIs to build complementary solutions to address their customer needs.

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Dealership Benefits

Removes the guesswork from credit appraisal

Provides accurate financial pre-qualification

Manages client data and built in credit documentation

Simplify and expedite the application process

Rapidly grow and sustain non-prime business

Consumer Benefits

Secures the best interest rate from multiple lenders

Simplify and expedite the application process

Gets real-time approval

Provide more options and a better financing experience

Allows consumers to better understand their credit profiles and the rebuild process

Add True Online Financing Solutions to Your Network

Hundreds and thousands of vehicle buyers visit online 3rd parties to research vehicles, pricing, and finance options, and many of these buyers have already decided on what brand and models they would like to buy before they have arrived at the dealership. Lucy allows a wide range of technological API solutions, documentations, tools, and resources that you might need as a reseller to address your customer needs, acting as your personal self-service credit management system.

Testimonials

Look for video testimonials from dealerships on our YouTube channel!

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

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

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

Emilie Anne

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!

Stephany Kempffer