For Auto Lending

Lending infrastructure built for auto lenders to finance more vehicles

Run vehicle and equipment finance from the sale to the final instalment, with schedules, guarantors, insurance and recovery in one system.

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Build on the APIConnect dealer systems, payments and insurance partners through APIs, so a sale becomes a live loan without re-keying.
Go live in 7 daysStart with ready-made vehicle finance products, then set deposits, terms, rates and penalties the way your policy describes them.
Compliance handled at every stepIdentity checks, guarantor records, security and insurance details and an audit trail for every vehicle financed.

A vehicle, from showroom to settlement

One agreement, followed through every stage.

ApplicationCapture the borrower, their ID and documents, and the vehicle being financed.
Credit checksBureau and decision rules check affordability before anyone signs.
Guarantors and securityRecord guarantors and the vehicle as security, with documents attached.
Approval and saleApprove by role and complete the finance sale against the asset product you set up.
Repayment scheduleThe agreement generates its schedule, and repayments post as they arrive.
Insurance and follow-upTrack cover and renewals, and follow up every missed instalment.
Settlement or recoverySettle early, reschedule, or repossess and dispose, with every step on the record.

Everything an auto lender tracks

The asset, the borrower and the money, in one place.

Asset finance productsSet deposits, terms, rates and fees per product, for each kind of vehicle or equipment.
GuarantorsRecord who stands behind each agreement and see exposure by guarantor.
InsurancePolicies and claims recorded against the loan, so cover never lapses unnoticed.
Penalties and reschedulingLate charges that apply automatically, and rescheduling when a customer needs it.
Stock and salesTrack vehicles and equipment in stock and the sales made against them.
Repossession and disposalRepossess, record the condition and sell the asset, with proceeds posted to the account.

What auto lenders tell us

And what changes.

The challengeThe vehicle, the loan and the guarantor live in three places.
How we helpOne agreement holds the asset, the borrower, the guarantors and the repayments.
The challengeInsurance lapses and nobody notices until there is a claim.
How we helpPolicies are recorded on the loan, so you can see what is covered and what is about to expire.
The challengeLate payments need chasing every week.
How we helpAutomatic penalties, reminders and a collections list by officer.
The challengeRepossession is slow and badly documented.
How we helpA recovery process with each step recorded, and the sale proceeds posted back to the account.
The challengeDealers send deals by email and phone.
How we helpConnect dealer systems through the API, so a sale turns into a live agreement without re-keying.

Products you can start with

Typical shapes of vehicle finance. Your deposits, terms and rates are yours to set.

ProductTypical termRepaymentSecurity
Private vehicle finance24 to 60 monthsMonthlyThe vehicle, plus guarantor
Motorcycle and tricycle finance12 to 36 monthsWeekly or monthlyThe vehicle
Commercial vehicle and fleet36 to 60 monthsMonthlyThe vehicles, plus guarantors
Equipment and machinery12 to 48 monthsMonthly or seasonalThe equipment

Connect your ecosystem

Auto lending involves more parties than most, so we integrate around them.

Dealers and suppliersCreate applications and sales from the dealer's system through the API.

PaymentsRepayments by mobile money, bank or payment link, matched to the right agreement.

Insurance partnersRecord policies and claims against each loan.

Credit bureausBureau lookups as part of the credit check.

AccountingEvery disbursement, repayment and write-off posts to the ledger.

ReportsArrears, portfolio at risk and repossessions for management and funders.

How we help you set up and start running

A clear plan from the first conversation to your first live loan, usually done within 7 days.

Day 1
DiscoveryWe learn your vehicle types, suppliers or dealers, deposit and term rules, insurance requirements and how you recover today.
Days 2 to 3
ConfigureWe set up your asset finance products, fees, penalties, guarantor rules, approvals and loan documents under your name.
Days 4 to 5
Bring your book acrossWe import existing customers, vehicles and open agreements, then reconcile balances with you.
Day 6
Test and trainSales, credit, collections and finance staff run a vehicle sale end to end, from application to first repayment.
Day 7
Go liveYou start financing vehicles, and we stay close through the first repayments and month-end.

What you can run on Credit Watch

A few of the lending products these lenders run with us.

New and used vehicle financeMotorcycle and tricycle financeCommercial vehicle and fleet financeEquipment and machinery financeHire-purchase style agreements

Get started with Credit Watch

See first-hand how Credit Watch can push the boundaries of your lending business. Sign up free and we will be with you every step of the way.

Get started for free Talk to our team
Or call us on +260 953 436 602