AutoZoom is a web-based scoring and predictive underwriting system designed to meet the underwriting and analysis challenges of the buy-here pay-here industry

AutoZoom incorporates charts, graphs, drill downs, PDF’s, and data exporting features to greatly enhance your understanding of what is actually working in your underwriting efforts. Although AutoZoom functions independently of dealership software, our company now selectively offers software vendors the ability to integrate, using AutoZoom DMS SoftLink.

AutoZoom Predictive Underwriting enables your company to survive BHPH portfolio risks more effectively. AutoZoom FLX Emulates 40-years of industry experience, allowing BHPH dealers to consistently match the credit-right risk customer to the best possible deal structure.

Using AutoZoom Predictive Underwriting, you will be able to maximize sales and expand product range, all while pushing the limits of risk versus reward.

Improve Closing Percentages

By utilizing the statuses feature in AutoZoom, our clients are able to timely inspect and manage the flow of deals by day or any date-range. You will be able to match various credit quality customers with the right deal-structure every time without hesitation.

Match Customers to Appropriate Risk

One of the most challenging tasks of BHPH underwriting is matching the appropriate credit worthy customers to the appropriate amount of financing and term. Lower credit quality customers should be offered lower cost vehicles with more stringent down-payments. The more credit-qualified customers should be offered higher cost cars with significantly lower down payments when necessary to gain the sale.

Require Less Down Payment

Offering vehicles to qualified prospective customers for considerably less down-payment than industry norm can accelerate sales even in a tough economy. AutoZoom clients can more accurately and consistently identify those customers worthy of higher cost vehicles with lower down-payments.

Finance More Expensive Vehicles

Dealerships that are able to offer more expensive vehicles will attract better credit quality customers. When structuring deals, you will instantly know when you are about to risk too much.

Monitor Underwriting Processes Efficiently

Stop digging through piles of paper and file folders. Rely on the AutoZoom web-based underwriting system to keep you up-to-date on all underwriting activities 24/7 from anywhere.

Regulate Repossession Frequency and Rate

Minimize early repossessions and reduce your overall repossession rate by eliminating credit criminals and prospective customers who do not have the necessary stability factors which indicate a willingness, discipline and ability to pay.

Evaluate Past and Future Underwriting Results

AutoZoom clients are able to enter past and new sales into our predictive underwriting system along with a bit of financial information for each repossessed account, enabling them to evaluate many underwriting aspects and period gain/loss results.