Dealertrack F&I Alternative for Car Dealerships

Dealertrack F&I connects the finance office to its lender network. LeadLocate brings the customers, the CRM and the complete credit application that start each of those deals.

Dealertrack F&I is the finance office side of Dealertrack, a Cox Automotive company. It is best known for its credit application network, which routes applications from the dealership to a large set of participating lenders and returns their decisions, and for electronic contracting that moves the signed deal to the lender. The product family also covers compliance tools and a menu offering powered by Darwin. Many stores reach it through the dealer management system they already run.

That is lender connectivity, and for most franchise and independent stores it sits at the center of the finance office. Business managers who submit through it every day know its screens and its lenders by heart. Confirm current pricing, terms and product scope with the vendor directly before you change anything.

Credit application routing and electronic contracting stay with Dealertrack. Your lender relationships stay where they are, and your business managers keep submitting deals the way they do today. LeadLocate takes the work before that point: finding the customer, working the lead, desking the deal and collecting a complete credit application with consent captured properly.

That split is also why stores searching for a Dealertrack F&I alternative often find the real opportunity sits upstream of the lender network. The application that shows up late, incomplete or on paper. The worksheet that drifted from what the customer saw on the desk. The stipulation nobody chased until the funding call. Those are sales floor problems, and they are what LeadLocate solves.

If you are also weighing the dealer management system itself, our Dealertrack DMS page covers that separate decision, and the two can be made on different timelines.

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Prefer to talk right now? Call or text 844-376-2274.

SecureWebX apply links put a secure credit application in every salesperson's pocket. Text one after the first conversation, place one on a lead page, or add one to your website. Each link is branded to your store and can carry extra sections, custom fields, document uploads and disclosures. The customer completes five steps: personal, residence, employment, income and review, with a co-applicant when there is one, ITIN or SSN, down payment and trade in. Consent and e-signature are captured against versioned terms, so you always know which disclosure language a customer accepted.

Applications land in the SecureWebX dealer console with status, assignee, amount and notes. Stipulations run as a workflow with upload to fulfill, supporting documents attach to each submission, and when a customer starts and stops, the abandoned application flows back to the CRM so a salesperson can call while interest is warm. For compliance, OFAC screening, adverse action notices generated from the application record, state specific disclosures and a privacy notice editor are built in, and every user accepts your terms before working an application. See online credit application software for the full intake flow.

Every store has lenders it works with by phone, email and relationship: a local credit union, a buy here pay here partner, a specialty lender who likes your used car mix. Send to Lender covers them. It creates a code gated, expiring, revocable and watermarked share of the application for the lender you choose, and the lender answers through a response portal. When a deal changes, you revoke the share on the spot.

When a lender or the dealer management system you run wants a file rather than a link, SecureWebX exports the application in the format it expects: STAR XML, fixed width, CSV or JSON, delivered over SFTP, SOAP, a REST API, PGP encrypted email, structured email or a secure portal, with mapping templates so the fields land where they belong. eFax gives the store and its partners fax numbers with inbound status, and the SecureWebX mailbox keeps dealer to lender email in the same console as the application.

A clean submission starts with a clean structure. DealTracker desking covers cash, finance and lease with a multi pencil grid, goal seek bays, the fifty state tax matrix, semimonthly payment frequency, trade credit caps, three lease tax methods and centralized deal defaults. The Incentives Showroom shows manufacturer incentives inside the deal view, so the desk pencils with current programs in front of it.

SecureWebX worksheets run at parity with the desk. A worksheet built in DealTracker pushes to SecureWebX, attaches to the application and produces a deal recap PDF. The deal vehicle carries an advanced VIN decode with factory warranty and open recall data, a stock number lookup against your inventory, and a manager confirmed build and options list. The numbers your business manager submits are the numbers the customer already approved. Our page on CRM desking walks through the engine.

Features and packaging change on both sides. Confirm anything that will drive your decision directly with each vendor.

Every deal your business manager submits began as a customer somebody had to find. LeadLocate supplies exclusive local leads inside the zone you draw in the Leads Manager zone editor. Every lead in your zone is delivered to you and only you, prescreened at capture with the questions you choose, and backed by a replacement review, so a bad lead costs you nothing. Our team builds and runs the campaigns from your selections, and financing campaigns bring shoppers who want to talk about credit, with an apply link ready from the first text. Subprime auto leads explains how that side of lead generation works.

The CRM works each lead with an automated first response per feed, Follow Up Processes by lead type, RCS with SMS fallback, a VoIP softphone with recording and transcription, and appointments with reminders on a shared calendar. Customer deal pages let the buyer review the numbers behind a PIN, sign electronically and chat with the salesperson before the visit. The identity scanner reads a driver license and insurance card into the Customer Profile, so the business manager opens a complete record instead of a sticky note.

A finance director wants to know where approved deals come from, not only how they were contracted. LeadLocate reports cover activity, company and management views, with a Reports dashboard on the dock, so you can see which sources produce appointments, which reps work their leads fastest and which campaigns end in a sold deal. Every lead carries its source from the first touch.

SecureWebX adds its own reports and analytics on the application pipeline, exportable as PDF, so the business office can review applications by status, assignee and amount at the end of each week. Put the two side by side and the whole path, from the campaign to the credit application to the deal submitted through Dealertrack, reads as one story.

Your business managers keep submitting through Dealertrack from day one. Start on the sales floor: connect website forms to your form intake link, provision tracking numbers, and give every salesperson apply links. Set up SecureWebX users with two factor sign in, load your state disclosures and privacy notice, and decide who owns stipulations. Move the desk to DealTracker and push worksheets to SecureWebX. After three or four weeks, compare applications completed before arrival, time from sold to submission, and deals that needed a restructure.

Ask every vendor the same questions. Where does the application start, and how often is it complete before the customer walks in? Does the desk structure carry into the application without rekeying? How are consent versions recorded? What is the full monthly cost, and what does it renew at? We cannot guarantee approvals, funding times or per vehicle income, and no vendor can, because lenders and customers decide those. The demo shows the whole path from lead to lender share on real screens.

Does LeadLocate replace Dealertrack F&I?

Keep Dealertrack F&I for lender network routing and electronic contracting, and run LeadLocate beside it. LeadLocate supplies the leads, the CRM, the desk and a complete SecureWebX credit application, so every deal your business manager submits starts clean.

Can SecureWebX and Dealertrack run in the same store?

Yes. SecureWebX collects the application, consent and documents up front, and your business managers carry the deal into the lender network they already use. Exports in STAR XML, CSV and JSON move an application in the format a system expects.

Which lenders can receive a Send to Lender share?

Any lender you choose. The share is code gated, expiring, revocable and watermarked, and the lender answers through a response portal, which suits credit unions and specialty lenders you work with directly.

How is credit data protected?

Every SecureWebX sign in uses two factor authentication, application data is encrypted at rest, uploads are virus scanned, every action lands in a full audit log, and archived records are retained for compliance.

What does LeadLocate cost?

CRM Only starts at $199 a month, with the credit application, worksheet and compliance tools on the platform. Inbound buyer lead plans start at $799, Marketplace Acquisitions at $999 and the Buyers & Sellers Hybrid Plan at $1,599, all month to month.

We will show apply links, desking and Send to Lender on real lead flow in your market. Dealertrack keeps the lender network, and every plan is month to month.

Prefer to talk right now? Call or text 844-376-2274.