Scoring and BHPH Analytics

AutoZoom has built custom-fit Scoring Models for over 700 financing dealerships since inception. Zoomers sell more cars and reduce repo losses!


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  • Over 1.75 million BHPH customer applications processed since 2002 and over 250,000 transactions currently processed annually.
  • AutoZoom’s founding partners and developers have extensive backgrounds in BHPH dating back more than forty years.
  • AutoZoom subscribers can keep up to date on all underwriting activities 24/7 from anywhere with our web-interface.
  • AutoZoom subscribers can analyze customer credit worthiness and acceptance trends.
  • AutoZoom DMS SoftLink makes it possible for your dealership management software to integrate with AutoZoom FLX.


  • FAQ

    What exactly is AutoZoom's product or service?
    AutoZoom is a web-based predictive underwriting system designed to assist you with the underwriting and analysis challenges of the buy-here pay-here industry. AutoZoom has created a number of Scoring Models specifically for the sub-standard credit (buy-here pay-here) industry. AutoZoom includes management tools which utilize dashboards, charting, and exporting features to present data related to underwriting, sales, repossessions and associated cash-on-cash gains and/or losses in a very user friendly interface. Additionally, AutoZoom clients are able to issue Adverse Action Letters systematically when credit is declined.
    I already have underwriting guidelines. How is AutoZoom different?
    AutoZoom is only different in the way it applies number values to standard buy-here pay-here underwriting criteria, allowing those values to be used to make more precise and consistent underwriting decisions. AutoZoom is based on more than forty years of buy-here pay-here underwriting experience. Since buy-here pay-here underwriters typically do not use, or capture, numeric values with their credit decisions, they can know their underwriting produces good or bad results, but not why or how to improve their underwriting.
    Does AutoZoom's Predictive Underwriting make decisions for me?
    No. You are in control. AutoZoom simply provides you with numeric indicators that allow you to see more clearly the strengths and weaknesses of each prospective customer and deal structure. Someone will still need to make the final decision on each deal. Typically, upper management in your company will establish minimum AutoZoom numeric benchmarks. Underwriters then use those for approval, eliminating the need for upper management to be involved in every decision.
    Can AutoZoom help me if I am just getting started in the BHPH business?
    Yes. Any company that chooses to use AutoZoom at start-up will avoid the losses traditionally associated with the learning curve of the BHPH underwriting and deal approval process.
    How can AutoZoom help me in my business if I already consider myself a BHPH expert?
    AutoZoom has found that, regardless of level of expertise, all companies can benefit from using AutoZoom. Our larger clients have more than dozens of BHPH lots.
  • Testimonials

    • Properly used, AutoZoom is the best BHPH scoring system I have seen in my 25 years of experience and the analytical tools are AWESOME!!
      • Bob Okeley, Owner
      • 5 Locations
      • 25 Years
      • Indiana
    • AutoZoom has enabled us to "score" our customers according to our own best-case underwriting guidelines. This is a great tool for any buy-here pay-here dealer. AutoZoom helps take the guess work out of the underwriting process. It was easy to learn and it is easy to maintain. It has also helped us comply with federal regulations via the Decline Form option. AutoZoom has transformed our approval process from "gut feeling" to solid reasoning.
      • BA Nerison, Operations
      • 1 Location
      • 17 Years
      • South Dakota
    • AutoZoom is by far the leader in scoring systems for BHPH. We have seen countless dealers utilize this program to help in the underwriting process. It is really the only one that provides consistent results that you can use to assist in making good underwriting decisions. We recommend AutoZoom for BHPH dealers.
    • Consistency is the key to stabilizing portfolio performance and ultimately increasing net profit. We have found that each underwriter brings to the table their own unique experiences and these variations in experiences can simply lead to higher default rates or missed business. AutoZoom lends itself to being an equalizer or sorts. AutoZoom’s effectiveness is not dependent upon the level of experience each underwriter possesses. AutoZoom provides a platform where the customer’s ability, stability and willingness to repay are evaluated in the same manner on each deal, providing a quantifiable mechanism for systematically assessing risk. AutoZoom takes the guess work out of the equation. We have used the model since 2006 and we continue to see improvements with our static pools and the overall performance of the portfolio. So, even if your company already has sound underwriting policies and procedures, adding an AutoZoom model should still bring about more improvements in your business.
      • Mark Bursey, Acquisitions Director
      • 9 Locations
      • 19 Years
      • Maine
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