Orchestrate Every Auto Loan
from Dealer to Core

Ingest applications from dealer portals and digital channels, enrich them with credit and VIN data, automate decisioning, and board funded loans into your cores, without rebuilding your tech stack.

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Launch & Scale Auto Lending in Days

Connect with origination channel

Plug LendAPI into dealer networks, indirect platforms, and digital retail flows so you can receive applications from Dealertrack, RouteOne, CUDL through one integration.

Automate Credit & VIN enrichment

Orchestrate credit pulls and VIN-based vehicle enrichment from sources like Kelley Blue Book and other data providers to power accurate LTV and collateral decisions.

Automate Credit & VIN enrichment

Orchestrate credit pulls and VIN-based vehicle enrichment from sources like Kelley Blue Book and other data providers to power accurate LTV and collateral decisions.

Onboard seamlessly into your cores

Push approved and funded contracts into systems like Jack Henry, Fiserv, FIS, or your LOS while keeping pricing, programs, and dealer terms under your control.

How Auto Lending with LendAPI works

Seamlessly ingest borrower, vehicle, and deal data from dealer platforms and digital channels into a unified loan application.


  • Native integrations with DealerTrack and RouteOne

  • Support for dealer, branch, and digital applications

  • Standardized data normalization across sources

Seamlessly ingest borrower, vehicle, and deal data from dealer platforms and digital channels into a unified loan application.


  • Native integrations with DealerTrack and RouteOne

  • Support for dealer, branch, and digital applications

  • Standardized data normalization across sources

Seamlessly ingest borrower, vehicle, and deal data from dealer platforms and digital channels into a unified loan application.


  • Native integrations with DealerTrack and RouteOne

  • Support for dealer, branch, and digital applications

  • Standardized data normalization across sources

Enhance every application with real-time credit, identity, and vehicle insights to enable accurate underwriting decisions.


  • Real-time credit bureau and identity checks

  • KBB and vehicle database integrations

  • Automated data validation and fraud signals

Enhance every application with real-time credit, identity, and vehicle insights to enable accurate underwriting decisions.


  • Real-time credit bureau and identity checks

  • KBB and vehicle database integrations

  • Automated data validation and fraud signals

Enhance every application with real-time credit, identity, and vehicle insights to enable accurate underwriting decisions.


  • Real-time credit bureau and identity checks

  • KBB and vehicle database integrations

  • Automated data validation and fraud signals

Evaluate risk and eligibility using configurable rules to instantly generate compliant, personalized loan offers.


  • Rules-based underwriting and policy management

  • Dynamic pricing, terms, and down payment logic

  • Support for soft and hard credit pulls

Evaluate risk and eligibility using configurable rules to instantly generate compliant, personalized loan offers.


  • Rules-based underwriting and policy management

  • Dynamic pricing, terms, and down payment logic

  • Support for soft and hard credit pulls

Evaluate risk and eligibility using configurable rules to instantly generate compliant, personalized loan offers.


  • Rules-based underwriting and policy management

  • Dynamic pricing, terms, and down payment logic

  • Support for soft and hard credit pulls

Digitally generate, present, and execute loan documents while ensuring regulatory compliance and auditability.


  • Automated contract generation and disclosures

  • Integrated e-signature and approval flows

  • Full document tracking and version control

Digitally generate, present, and execute loan documents while ensuring regulatory compliance and auditability.


  • Automated contract generation and disclosures

  • Integrated e-signature and approval flows

  • Full document tracking and version control

Digitally generate, present, and execute loan documents while ensuring regulatory compliance and auditability.


  • Automated contract generation and disclosures

  • Integrated e-signature and approval flows

  • Full document tracking and version control

Fund approved loans and synchronize account data across servicing, dealer, and customer systems in real time.


  • Automated funding workflows

  • Core integrations with Jack Henry, Fiserv, and FIS

  • Real-time status updates to dealers and borrowers

Fund approved loans and synchronize account data across servicing, dealer, and customer systems in real time.


  • Automated funding workflows

  • Core integrations with Jack Henry, Fiserv, and FIS

  • Real-time status updates to dealers and borrowers

Fund approved loans and synchronize account data across servicing, dealer, and customer systems in real time.


  • Automated funding workflows

  • Core integrations with Jack Henry, Fiserv, and FIS

  • Real-time status updates to dealers and borrowers

WHY CHOOSE

LendAPI for Auto Lending

LendAPI for Auto Lending

LendAPI can power indirect auto programs via dealer networks, digital retail partners, direct auto and refinance products, and specialized offerings using the same modular infrastructure.

One Decision Layer

LendAPI acts as a single decisioning layer that normalizes dealer data, borrower data, and vehicle data into one consistent decision flow. Lenders can define underwriting, pricing, and eligibility logic once and apply it everywhere

Data Rich Decision

By combining credit bureau data, vehicle databases, Kelley Blue Book valuations, and deal structure inputs, LendAPI enables more accurate risk assessment and pricing. Decisions are based on the full picture not just borrower credit scores.

By combining credit bureau data, vehicle databases, Kelley Blue Book valuations, and deal structure inputs, LendAPI enables more accurate risk assessment and pricing. Decisions are based on the full picture not just borrower credit scores.

Core Friendly

LendAPI is built to integrate cleanly with core banking systems like Jack Henry, Fiserv, and FIS. Approved loans are routed directly into your core or LOS, eliminating manual re-entry, reconciliation errors, and operational bottlenecks.