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DealFI Used Car Dealer Finance Portal


Founded in 2018, DEALFI is a virtual F&I office that has helped over 300 independent dealerships all over the Midwest sell more cars, more products and make more money. DEALFI has access to a network of lenders that provide full-spectrum financing options, from deep subprime, open bankruptcies, and first-time buyers to prime customers with competitive credit union rates across the board.

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What is DealFI

  • DealFi is a virtual finance department that gets you access to: CUDL and National Lenders who only who typically only work with Franchise stores.

  • DealFi does all the underwriting and the lender stipulations, to ensure the deal is done correctly.

  • DealFi will even pitch and sell service contracts and GAP to the customer.

  • Dealfi Works the deal from beginning to end. The dealer just needs to perfect the title/title work.

  • DealFi partnered with DocuSign, so everything is done paperless!

  • DealFi pays the dealer, and the lender pays DealFi

    • Payment received after 24hrs of dealing being “Funded” in system

  • Only $299 per deal funded. No monthly or hidden fees.

  • If the deal unwinds, there is no cost to the dealership!

  • Lender Stipulations: Good Guideline

  • 450+ Credit Score

  • $1500 minimum income

  • First time buyer ok

  • 3 months bank statements work as poi

  • Interest Rates:

  • CUDL rates

  • SUB PRIME RATES: 4%-17% and 11%-24.99%

  • Vehicle Pricing/Advance:

  • 140% JD Power Retail/ NADA & 160% KBB Wholesale

How can I tell if DEALFI is right for my dealership?

Ask yourself a simple question: does your dealership have access to CUDL? Or Wells Fargo? If so, we *usually* aren’t a great fit. That’s because those dealerships already have access to many of the same great lenders that DEALFI does. However, if a dealership is either too new for CUDL or is too small, then we are a GREAT fit and can fill in nicely as the dealership’s virtual F&I office.

In addition, we have found that we still are a good fit for dealerships that have access to CUDL that are looking for help with customers in the mid-prime range, from 600-700 because we may have access to lenders that either aren’t on CUDL or that aren’t signing up independent dealers.

How do I submit a deal to DEALFI?

Easy! Once a customer and dealer land on the vehicle and price, the dealer uses their login information to go into their dealer portal, and logs into DEALFI to submit the customer’s credit application. This includes name, 24 months of residence history, phone number, SSN, 24 months of job time, trade, vehicle and deal structure. Once the dealer hits submit, one of our underwriters immediately begins work on reviewing the credit, collateral, and structure to determine which of our lenders is going to be the best fit. DEALFI will maximize the deal for the dealership by getting the best advance (usually based on retail book), the best flat, and the best terms for the customer.

DealFI Business Process
The Process
DealFI Process

DealFI | Deal FI Lending Platform

DealFi is a virtual finance department that helps you close more deals and save time and money. With DealFi, you can access CUDL and national lenders who usually only work with franchise stores. DealFi handles all the underwriting and lender stipulations for you, ensuring the deal is done right. DealFi also pitches and sells service contracts and GAP to the customer, increasing your profits. DealFi works the deal from start to finish, using DocuSign for paperless transactions. You just need to perfect the title work. DealFi pays you within 24 hours of the deal being funded, and only charges $299 per deal. If the deal unwinds, you pay nothing. DealFi offers flexible lender stipulations and competitive interest rates. DealFi also gives you up to 140% JD Power Retail/ NADA & 160% KBB Wholesale on vehicle pricing/advance. DealFi is the ultimate solution for your finance needs.

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