Online Credit Application Software for Dealers

Let customers apply from their own phone, in English or Spanish, and give your finance office a complete file with documents, consent and a secure path to the lender you choose.

Online credit application software collects a customer's credit application, supporting documents and consent over the web, then puts the finished file in front of the people who work it. The customer applies on their own device, at their own hour. Your finance office starts from a complete application instead of a blank form and a customer waiting at a desk.

It helps to see where intake sits in the chain of a financed deal:

• Intake: the application, the documents and the consent record, captured from the customer.
• Lender handoff: sharing that file with the lenders the store works with and getting their answer back.
• Structure: the worksheet that turns a lender's answer into a payment the customer will sign.
• Contracting: the retail installment contract, which your finance office completes with its lenders.

SecureWebX is the dealership credit application software inside LeadLocate. It covers intake thoroughly, carries the structure on worksheets that run the same math as CRM desking, and hands the file to your lenders through a secure share. Contracting and the credit decision stay with your finance office and your lenders.

It fits franchise stores with a full finance office, independent and used car lots, buy here pay here and special finance departments that live on applications, RV and boat dealers whose buyers often apply before they ever visit, and brokers who work deals for clients across a region.

Ask a finance manager where deals fall apart and you hear about structure and stipulations. Ask where applications fall apart and the answer is further upstream: many are never finished at all.

Think about what the desk asks. Sit in a showroom, with a salesperson four feet away and other customers within earshot, and disclose your income, your employment history, where you live and your Social Security number. Plenty of people will. A meaningful share will say they want to think about it, walk out, and complete the same form at home in a few minutes.

The information is the same. What changed is that nobody was watching. That is why an online auto credit application belongs on the customer's phone, sent inside the conversation they are already having with your salesperson.

The effect is strongest for the customers a store most wants to keep: a buyer rebuilding after a hard stretch, or a buyer who is more comfortable in Spanish. A private application in their own language is the difference between a file and a walkout.

Leave your number and a lead specialist calls you back to answer your questions about pricing, coverage, and setup. Mon - Sat, 9:00 AM - 6:00 PM Pacific.

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

A lead comes in at 9:40 on a Saturday morning from a shopper who wants a three row SUV and asks about financing. Here is the path the application takes.

1. 9:44. The salesperson texts the store's apply link from the lead in the LeadLocate CRM.
2. 9:58. The customer works through the five steps, personal, residence, employment, income and review, in Spanish. She adds her husband as co-applicant, uploads a pay stub, reads the disclosures, accepts the terms and signs.
3. 9:59. The application lands in the store's application inbox with a live badge on the dashboard. The consent record is kept in Spanish, the language she used. OFAC screening runs and the result sits with the record.
4. 10:15. The finance manager opens it from Recent applications, sets herself as assignee, moves the status and attaches a worksheet. Then she uses Send to Lender, picks the bank with Select a Lender, includes the worksheet, sets a seven day window and sends.
5. 11:40. The lender opens a code-gated, watermarked view and answers through the lender response portal with a request for proof of residence. That request becomes a stipulation on the file. The customer uploads a utility bill and the finance manager uses Upload for this lender so it appears inside the same share.
6. Afternoon. The lender's answer lands on the application, and the desk builds the final structure with the customer on the deal page.

If the customer had stopped at step three, the partial application would have gone back to the CRM as an abandoned application for follow up, so the salesperson could call while she still remembered why she started.

Most applications are finished on a phone, often one handed, often at night. SecureWebX is built for that customer.

• Five clear steps: personal, residence, employment, income and review.
• English or Spanish, with the consent record kept in the language the applicant used.
• A co-applicant section for a spouse, partner or cosigner on the same file.
• SSN or ITIN, plus income, down payment and a trade-in section.
• Document uploads where your apply link asks for them, so the pay stub arrives with the application.
• Disclosures and e-signature with versioned terms, so you can show which version a customer accepted.
• Bot protection on the public form.

Every store gets branded apply links, and each link is customizable. Under Customize application you add sections, custom fields, document uploads and disclosures to one link without touching the others. The website link can stay short while the special finance link asks for more. Open apply page in new tab lets you walk it like a customer before you send it, and Copy link puts it on your clipboard for a text, an email, a landing page or a card.

An application holds the most sensitive information a store collects, so access is deliberate.

• Users, invites and roles. Each person signs in as themselves, and their role decides what they can open and manage.
• An assignee on every file. The inbox shows who owns each application, so the desk knows whose job it is.
• Two factor authentication on every sign in, with a code sent by text.
• Terms acceptance for every user before they work in the console.
• Encryption at rest for application data.
• A full audit log of activity on the account, plus a security log.
• Virus scanning on every uploaded document.
• A watermarked PDF viewer with print and download gated.
• Archive, never delete. Archiving keeps every record for compliance, so an older file is still there to be found.

The credit application security page goes through each control in detail.

A store that buys online applications and changes nothing else gets applications that arrive faster and still sit for six hours. The application inbox is built to stop that.

Applications land in an inbox tied to your company, not one person's email. The dashboard opens with Applications by status and Recent applications, so the desk sees in thirty seconds what came in, what nobody has touched and what is waiting on a document. Each file carries its status, assignee, amount, notes and email, and Search applications finds an older one by name, email or reference.

Documents stay attached to the file. Supporting documents sit with each submission, and a stipulations workflow requests what is missing and takes an upload to fulfill it, so a pay stub or proof of residence comes back on the application rather than in someone's camera roll.

Then make ownership a management habit. Name the inbox owner, write down the response time you expect, and look at it in the weekly manager meeting. A customer who just applied online is often applying somewhere else the same evening, and the first store to call with something specific tends to get the deal. Reports with PDF export show how the pipeline is moving.

When the file is ready, Send to Lender shares it with the bank, credit union or finance company you choose. The share is code-gated, expiring, revocable and watermarked. You decide whether the lender sees your deal worksheet or the application and documents alone, and you choose how long access lasts: three, seven, fourteen or thirty days. A forwarded link opens nothing without the access code.

The lender reviews in a watermarked viewer and answers through the lender response portal with an approval and call sheet, a decline or a request for more information. The answer lands on the application, and a request for more becomes a stipulation. When the deal is placed, revoke any share you no longer want open.

Around the share sit the other ways a finance office talks to lenders: a Mailbox for dealer to lender email, eFax numbers for the store and its partners, a partner list and a lender directory by category. When a lender or your DMS needs the application in a specific layout, SecureWebX exports it in the format it expects, including STAR XML, fixed width, CSV and JSON, over SFTP, REST, PGP encrypted email or a secure portal.

When a lender declines, the adverse action notice is generated from the application record, with state specific disclosures kept in the company compliance settings.

What we need from the store: your legal business name and the disclosures your counsel wants on the application, any state specific disclosures, your privacy notice and terms, the lenders you send to, and the people who should have access, with the role each one needs.

What our team does: sets up your company in SecureWebX with users synced from the CRM, builds your first apply links with Generate apply link, customizes the sections and document uploads for each one, helps you build your partner list of lenders, and trains your finance office and salespeople in Live Training sessions, with the video training library for new hires.

Then roll it out in order. Put the apply link in your text templates first, because anything that depends on memory gets skipped. Give it to the internet department before the floor, since they already work customers remotely. Name the inbox owner and the response time. Then make it the default path at the desk.

Compliance is a program your store builds and documents with counsel. SecureWebX supports it with versioned consent, state disclosures, adverse action notices, OFAC screening, an audit log and records that are archived rather than deleted.

SecureWebX opens from the SecureWebX button on the CRM dock with single sign on, and the people on your CRM are synced into it. A salesperson sends an apply link from the lead in the same thread as every other text, an abandoned application flows back to the CRM for follow up, and worksheets push from CRM desking so the structure is never retyped. The same deal can go out on a customer deal page with e-signature, which the digital retailing software page walks through.

SecureWebX is part of every LeadLocate plan. Your bill is built from a few clear parts:

• The plan: Inbound, Marketplace Acquisitions, and Buyers and Sellers Hybrid deliver exclusive leads with the platform, sold by Marketing Effort Level, and CRM Only is the software for a store with its own lead flow. All are month to month with no long term contract.
• Users: each plan includes a login to start, and more users are an add-on.
• Usage credits: prepaid packs for bulk texting, bulk email, ringless voicemail deliveries and phone and email validation.

Every plan is listed on the pricing page.

Can customers apply in Spanish?

Yes. The SecureWebX credit application runs in English or Spanish, and the consent record is kept in the language the applicant used. A salesperson can send the same apply link to either customer, and the file lands in the same inbox.

What does a customer need to finish the application?

The five steps ask for personal details, residence, employment and income, then a review. The applicant can use an SSN or an ITIN, add a co-applicant, enter a down payment and a trade-in, and upload the documents your apply link asks for.

Who on my team can see an application?

The people you give access to, with the role each one needs. Every file has an assignee, every sign in uses two factor authentication, and a full audit log keeps the activity on the account. Print and download are gated in a watermarked viewer.

How does an application get to our lenders?

Open the application and use Send to Lender. Choose the lender, decide whether they see your worksheet, set how long access lasts and send. The lender answers through the lender response portal, and the answer lands on the file. Exports in STAR XML, fixed width, CSV and JSON cover lenders and DMS systems that want a file.

Who makes the credit decision?

Your lenders do. SecureWebX gathers a complete application with documents and consent, shares it with the lenders you choose and brings their answer back to the file. Your finance office then structures the deal and completes the contract with that lender.

What happens when a customer stops halfway?

The partial application goes back to the LeadLocate CRM as an abandoned application, so the salesperson can follow up while the customer still remembers why they started.

Does SecureWebX keep the records our compliance program needs?

It keeps versioned consent records, state specific disclosures, adverse action notices generated from the application, OFAC screening results, a full audit log and archived records that are never deleted. Your program itself is built and documented by your store with counsel.

See an apply link go out by text in English or Spanish and come back as a worked application with documents attached and a lender share ready. Month to month, no long term contract.

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