Dealer Resources
How subprime lead buying actually works
What we have learned: selling leads to dealers. Written for the people buying them, not for search engines.
84 and 96-Month Auto Loans in Canada: Terms, Risks and Lender Limits
TL;DR — Quick Summary 96-month terms exist in Canada but most major banks cap financing at 84 months, and several
Bank of Canada Rate Moves and Dealership Lead Flow: What Actually Changes
TL;DR — Quick Summary A Bank of Canada rate change doesn’t set your dealership’s loan rates directly — lenders reprice
Down Payment Strategy on Subprime Deals: Cash, Trade Equity, or Both
TL;DR — Quick Summary A minimum down payment of 10% of vehicle price or $1,000, whichever is greater, is the
Valuing Trades on Subprime Deals: Book Gaps That Break Your Funding
TL;DR — Quick Summary Subprime lenders typically fund trade-ins at wholesale or CBB Lending Value, not the retail figure printed
Trade-In Appraisal Leads: Why Instant Cash Offer Traffic Converts
TL;DR — Quick Summary Trade-in appraisal leads convert higher than generic ad traffic because the visitor has already revealed intent
Service Drive to Sales: Turning Repair Orders Into Auto Finance Leads
TL;DR — Quick Summary Repair orders that show high mileage, a declined major repair, or a lease nearing end-of-term are
Lease-End and Lease-Return Leads: Capturing Buyers Before Your Competitor
TL;DR — Quick Summary Lease-end shoppers start comparing options 60–90 days before their term expires, and the dealership that reaches
How to Structure a Negative Equity Rollover Without Killing the Approval
TL;DR — Quick Summary Most lenders cap rolled negative equity at 10–20% of the new vehicle’s value before loan-to-value ratio
Equity Mining for Dealerships: Finding Buyers Already in Your Database
TL;DR — Quick Summary Equity mining scans your DMS and CRM for customers who now owe less than their vehicle
Anatomy of an Auto Finance Lead: The 14 Fields That Should Arrive With It
TL;DR — Quick Summary A complete auto finance lead should arrive with 14 specific data fields covering identity, income, housing,
Lead Data Enrichment for Dealerships: Turning Five Fields Into a Full Profile
TL;DR — Quick Summary A raw form submission with five fields — name, phone, email, vehicle interest, and postal code
Auto Lead Scoring Models: Ranking Buyers Before Your BDC Ever Calls
TL;DR — Quick Summary An auto lead scoring model ranks each incoming lead by intent, credit signal, and completeness before
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