The race for the deal.

A customer walks into a dealership. The dealer submits one application to five lenders. The first competitive response wins. This is where credit unions have been losing — and what AutoLendingOS fixes.

New Application

Submit to 5 Lenders

Applicant first name

Applicant last name

Annual income ($)

Credit score (FICO) ?

Vehicle year

Vehicle make

Vehicle model

Vehicle mileage

Vehicle value — book ($)

Loan amount requested ($)

Loan term (months)

Employment type

Employment tenure (months)

State of residence ?

Active-duty service member or dependent (MLA) ?

Live Responses

Who responds first?

Underwriter Queue

AutoLendingOS has pre-processed every application: rule engine verified, US regulatory checks run in real time, documents pre-fetched, send-back risk flagged, recommendation drafted. One click auto-decides everything clear; you focus only on the judgment calls.

P80 Time-to-Decision ?

8m 42s

▼ from previous baseline

Send-back Rate ?

7.1%

▼ from previous baseline

Indirect Auto in Queue

within cross-product queue

Deals Won Today

47 / 62

Ranked by AutoLendingOS: win-probability × time-sensitivity across the cross-product queue. Not first-in-first-out. Regulatory compliance is evaluated live against US federal and state rules.

0 selected ·

	Applicant	Loan	Status	Confidence	Compliance ?	Risk	Time in Queue

Data you enter stays in your browser. Nothing is sent anywhere. The rule engine and regulatory-compliance engine are real client-side JavaScript; the AI copilot layer is simulated for this demo.

Policy Configuration

Configure the automatic approval and rejection rules that drive the rule engine. Changes apply to the selected policy and immediately re-evaluate every application in the queue. Federal regulatory gates (MLA 36% MAPR cap, OFAC, FCRA, ECOA) are enforced by the compliance engine and cannot be disabled here.

Editing as
Chief Lending Officer

Policy

Credit & Capacity ?

Hard gates applied by the rule engine. Soft-cap misses (within exception margin) route to manual review.

FICO Floor ?

Below this score, applications are auto-declined with ECOA adverse-action notice.

score

LTV Cap ?

Maximum loan-to-vehicle-value ratio. Small overages route to manual review; large overages auto-decline.

DTI Cap ?

Ceiling on borrower's total-debt capacity.

PTI Cap ?

Ceiling on the single loan's payment burden.

Collateral

Limits on the vehicle securing the loan.

Max Vehicle Age ?

Older vehicles require independent inspection and route to manual review.

years

Employment & Income

How the engine handles non-W-2 income and short employment tenure.

Min Employment Tenure ?

Below this, additional income verification is required.

months

Gig Income Routing ?

Rideshare, 1099, contractor, self-employed.

Subprime Band Routing ?

FICO below 620 (but above the credit floor).

Pricing

Base APR offered to qualifying applicants in the dealer race. Not a regulatory cap.

Base APR ?

Displayed in the dealer lender-race. Must stay under federal MLA 36% cap for covered borrowers.

% APR

Federal Regulatory Gates Locked

Enforced by the compliance engine on every evaluation. Not editable at the CU level — these are federal law.

MLA MAPR Cap

10 USC §987 · 32 CFR 232 — Military Annual Percentage Rate ceiling for covered borrowers.

SCRA Rate Cap

50 USC §3937 — pre-service debt cap when applicant enters active duty.

Adverse Action Notice Deadline

12 CFR 1002.9 (Reg B) — written notice with specific reason codes.

days

Live Impact Preview

Live

With the draft policy below, your 10 queued applications would be categorized as follows. Numbers in green/red show the change vs currently-saved policy.