Credit Solutions
for Connected Retailing

  • Deliver a unifying, fully digital credit experience with one platform, online and in-store.
  • Maximize deal generation efforts with your remote shoppers.
  • Close more deals faster with a paperless, self-service enabled in-store credit experience.

Our CreditPlus platform is a strategy, a combination of credit solutions for connected retailing designed to optimize conversions and help you close more deals faster.

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Our CreditPlus platform is a strategy, a combination of credit solutions for connected retailing designed to optimize conversions and help you close more deals. Faster.

Get Started

Credit Solutions for Dealers

Get Your Customers Driving Sooner

Every online interaction, every showroom walk-in, is an opportunity to convert a browser into a buyer. Sell the car, not the appointment.  We can help with that.

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Digital Retailing
Credit Bundle

Maximize remote browser-to-buyer conversion ratios leveraging a combination of soft credit pull pre-screen, pre-qualification and traditional hard credit pulls solutions, unifying workflows and certified secure platform.

Showroom
Credit Bundle

Create significant convenience and speed advantages for you and your buyers with a combination of soft and hard credit solutions and fully connected, paperless, self-service enabled credit experience.

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What Makes Our Credit Platform Stand Out?

Results

You are in the business of selling cars. CreditPlus delivers the highest browser-to-buyer ratios and most certified secure platform available in a digital credit solution. 

ROI/Value

Take advantage of one, multiple, or all of our soft and hard credit pull solutions with your month-to-month subscription. No additional fees or setup required.

White Glove
Customer Support

Your success is our priority.  Expect personalized onboarding and set up, live customer support (including after hours), and ongoing training, optimizations, and best practice sharing after the sale.

Advantages & Benefits of
our Credit Solutions

  • Better Buying
    Experiences:

    Unifying APIs and workflows means everything is interconnected. No more online to in-store disconnects or process redundancies — true connected retailing.

    Convert Better,
    Faster Everywhere:

    So much more than a credit widget, our deal generation platform delivers fully digital, online and in-store credit experiences with one platform and the best lead conversion ratios available.

    Profitability
    Enhancer:

    Increase dealership throughput, reduce profit leaks and improve customer satisfaction with a simplified, faster moving credit experience.

  • Higher
    Closing Ratios:

    The high volume of motivated, pre-qualified remote buyer ups leads to higher close rates and closing efficiency.

    Convenience
    & Speed:

    The self-service enabled, fully digital showroom credit experience – initiated at any point in your process – reduces bottlenecks, leading to faster credit decisions and faster closes.

    Control &
    Flexibility:

    Direct integrations, unifying API’s and almost endless configuration options give you the flexibility to determine what advantages and workflows work best for your strategy, your processes, and your brand.

  • More Live Website
    Credit Score Leads:

    Designed to convert, >60% of people who land on our credit app complete and submit it [5x more conversions compared to long-form credit applications]. Many dealer customers are averaging 100+ live credit score leads/month.

    Showroom
    Traffic Builder:

    Our remote buyer credit solutions drive an average of 51 pre-qualified, motivated, easier-to-close leads to your dealership every month.

    Sell More
    Cars:

    So much more than just lead generation, >36% of your live credit score leads will close at your store within 4 weeks.

All Credit Solutions Have Value,
But Not The Same Value

Designed to Convert

  • >60% Form Completion Rates
  • Mobile-first, 2-step app
  • Embedded ‘white boarding explainer’ or ‘kinetic typography’ video
  • Vehicle of choice appended to the application
  • ‘Intelligent' form fields
  • Instant credit decisions

Ultimate Flexibility

  • Soft pull pre-qualification (with or without DOB and/or SS#)
  • Dealer controlled credit filters
  • Optional/required form input fields
  • Multiple Yes/No configuration options
  • Option for cash buyers
  • Option to push your customer’s non-PII information directly into your CRM.
  • Yes/No option to push into DealerTrack and RouteOne platforms for decisioning.

Credit Reports

  • Certified partner with Experian, Equifax and TransUnion
  • Integrated partner with most credit resellers (including 700Credit, Informativ and NCC.)
  • Choice of traditional hard credit pull pre-approvals and soft pull options
  • Configurable for soft credit pull pre-screen, pre-qualification and traditional hard credit pulls.
  • Full credit report file (Not selective attributes) and live FICO score (Not a score range) included with all pre-approvals and all pre-qualifications.
  • Pull 1, 2 or 3 full-featured bureau reports in seconds

Committed to Your Success

  • Personalized onboarding and set-up
  • Live Customer Support, including after hours
  • Ongoing training, optimizations and best practice sharing post sale

Integrated Compliance

  • Consumer information auto-populates printable credit app
  • Option for e-signature capture
  • Digital copy of permissible purpose
  • Includes OFAC, Privacy Policy, ‘No-cost’ Adverse Action, Credit Score Disclosure & Risk Based Pricing Notices
  • Audit trails
  • Red Flag, GLB and FCRA Compliant

Certified Secure

  • SOC 2 Type II Certified
  • Fully secure app with SSL Certificate.
  • Transmission Encryption. Multi-factor Authentication.
  • All information is stored for 7 years on our ‘certified’ secure servers.
  • Third Party Independent Audit Certified.

How CreditPlus Works

“Credit First” selling gives you early visibility into your customers credit profile and buying power - enabling you to
match the customer with the right vehicle and work the right deal, right from the start.

  • Credit Remote Shopper

    Remote Shopper

    • Directly from your website or social media or email signature, the customer fills out our fast and easy short form.
    • While still inside the application, the customer will immediately receive their pre-qualification status.
    • At the same time, your dealership will receive the customers contact information, credit summary, exact credit score and vehicle of choice information.
    • For your higher-intent website leads or phone ups being worked by your BDC/Internet Dept, use our digital retailing long form app with optional digital signature capture and printable credit application autofill.
  • Credit Showroom Report Portal

    Showroom Shopper

    • For your dealership walk-ups who show with or without prior contact, our Showroom Credit Portal launches a paperless, self-service enabled credit experience with anytime, anywhere access via any mobile device or showroom PC – initiated at any point in your sales process.
    • Customers can submit a new credit application or access previously submitted lead/application data.
    • The experience saves up to 20 minutes per deal, reduces unsatisfying customer wait times and minimizes ‘showrooming’ risks.
    • Includes option for cash buyers.
  • Credit Submit to Lender

    Submit to Lender

    • Submit the entire credit application to your lenders via our API’s with RouteOne and DealerTrack.
  • Credit Re Remote Access

    Remote Re-Access

    • Dealer provided link to our certified secure Customer Gateway lets your returning  customers remotely update or append previously submitted information with references, co-signer and banking information –  and stay connected with you throughout the process.
    • The convenience, flexibility, and control is a trust builder, moving your engaged customer down-funnel at their own pace – accelerating browser-to-buyer conversions and saving time at your dealership.
  • Credit Doc Upload

    Doc Uploads

    If additional verification is needed, the customer can also use the Customer Gateway to upload any required supporting documentation, such as:

    • Proof of income (pay stubs, bank statements, etc.)
    • Proof of residence (utility bill, lease agreement)
    • Proof of insurance
    • Proof of identity (driver’s license, passport)
  • Credit Integrated Compliance

    Integrated Compliance

    • The platform provides automated ‘no-cost’ Adverse Action, Credit Disclosures & Risk Based Pricing Notices.
    • Platform also includes Audit Trails and digital copy of permissible purpose.

CreditPlus ROI Calculator

Get More Pre-qualified, Higher Intent, Faster-to-close Leads

Your digital retailing strategy should include the best-performing credit app. Calculate for yourself the results and ROI Express Credit App can deliver for your dealership.

Don’t Just Take Our Word For It

  • “Switching to eLEND’s showroom credit solution has been a serious upgrade to our workflow. Eliminating paper credit apps and re-keying is saving us almost 15 minutes per deal, keeping things moving faster and reducing errors. The best part? It integrated seamlessly with our existing systems, and our team was up and running in no time. Huge time-saver! And John’s support is next level—any issues we have, I feel like he knows about it before we do!”
    INFINITI of South Bay
    Torrance, CA
  • “Getting the showroom credit product up and running at Caruso Mazda of Long Beach was quick and painless. It plugged right into our existing workflow with no disruption, and our team picked it up immediately. Since implementing it, we’ve seen higher closing ratios and a smoother deal process. It’s exactly the kind of efficiency every dealership needs.”

    Caruso Mazda of Long Beach
    Long Beach, CA
  • “The credit tool makes it easy to accurately quote clients without generating a hard inquiry. Very easy to use for both the client and dealership staff. Support has been amazing. They are always available for new user training, periodically checks in on my team, and is always responsive to our requests.”

    BMW of Riverside
    Riverside, CA
  • “We’ve been an eLEND client for almost 20 years. The showroom app is secure, easy to use and accurate. I work with many vendors and the quick and responsive support we get from your entire team is unmatched. Frankly, we’d pay more for what you provide us. Highly recommend!”

    Mtn View Ford
    Chattanooga, TN
  • “Shaving time off every deal makes a real impact and that’s exactly what this product does.  Our credit workflow is now fully digital, eliminating all the manual steps from our previous process It plugged into our existing systems with little to no disruption. Our customers like being able to complete steps on their own and get immediate credit decisions.  And we’re closing deals faster than ever.  It’s paid off big time for us!”

    Pacific VW
    Hawthorne, CA
  • “Managing credit apps used to slow us down, but eLEND’s Showroom Credit Product changed that. Paperless credit applications, remote doc uploads, and digital signatures keep deals moving without the usual holdups. The setup was quick, the dashboard keeps everything organized, and it works seamlessly with our process. Solid tool, great support—exactly what we needed.”

    Toyota of Glendale
    Glendale, CA
  • “The showroom credit bundle has taken our process to the next level!  What I appreciate most is how it’s improved the buyer’s experience—it’s faster, more convenient, and exactly what today’s customers expect. Plus, it’s fairly priced, which makes it a win-win for everyone involved.  If you’re looking for a solution that saves time and works effortlessly, I highly recommend it. It’s been a fantastic addition to our operations.” 

    Anaheim Hyundai
    Anaheim, CA
  • “Since implementing eLEND’s digital retailing credit product, we’ve seen a steady increase in credit apps and finance leads at Ray Price Mazda.  More buyers are completing credit apps online, making the process smoother and faster in-store. The added efficiency has improved closing rates, and the ROI was clear from the start. Well worth it!”

    Ray Price Mazda
    Stroudsburg, PA
  • Overall, I highly recommend eLEND Solutions showroom credit solution. This platform adds immense value to our dealership, enabling us to close deals faster and provide a better user experience for our customers. We have always enjoyed using this platform, and it has truly made our operations more efficient.”

    Jeep Chrysler Dodge RAM of Ontario
    Ontario, CA

Some of Our Customers

We proudly meet the credit report solution needs of some of the largest dealer groups and #1 nameplates in the country.

Frequently Asked Questions