Auto Finance Partners

Own your territory.
One lender per ZIP code.

CarCostCX shows car buyers their complete monthly cost before they visit a dealership, including a real loan payment from a local lender. Claim your ZIP codes and receive exclusive leads from buyers who already selected their vehicle.

Claim your territory, first 3 months on us

Exclusive per ZIP · TCPA documented · No shared leads

The problem with auto finance leads today

Most leads arrive with no vehicle,
no intent, and no consent.

Traditional auto loan lead vendors send you a name and a credit score. You have no idea what vehicle they want, whether they are actually in the market, or whether they asked to be contacted by anyone at all.

No vehicle attached

Most leads are generic form fills. CarCostCX leads come with a specific vehicle, listed price, and dealership already selected by the buyer.

Sold to multiple lenders

Lead aggregators resell the same contact to every institution that will pay. You race to call someone fielding five competing offers at the same time.

TCPA compliance gaps

Inadequate consent documentation exposes lenders to regulatory risk. One complaint can cost far more than the leads were ever worth.

No credit context

Generic leads do not include credit tier or desired loan term. CarCostCX leads include both, matched to the specific vehicle the buyer selected.

How it works

A buyer selects their vehicle.
Your rate is displayed. You get the lead.

CarCostCX shows buyers their complete monthly payment, including your actual APR, before they ever sit down with a finance manager. When they want your rate, you receive the lead exclusively.

Buyer selects a vehicle

A car buyer browses CarCostCX and finds a vehicle at one of our partner dealerships. They enter their credit tier, preferred loan term, and trade-in details.

Your rate is displayed

CarCostCX calculates the complete monthly payment using your APR for their credit tier and loan term, shown alongside insurance, fuel, and maintenance costs.

Buyer requests your rate

The buyer provides prior express written consent to be contacted by you specifically. Their full profile arrives in your dashboard and inbox instantly.

What you receive

Not a credit score.
A complete buyer and vehicle profile.

Every CarCostCX auto finance lead includes everything you need to prepare a pre-approval before the first phone call.

Sample lead, CarCostCX Finance Partner

Buyer nameSarah Kowalski

Emails.kowalski@email.com

Phone(219) 555-0287

ZIP code46384

Credit tierGood (700-749)

Loan term60 months

Vehicle2022 Toyota RAV4 XLE

Listed price$31,450

Trade-in equity+$4,200

Est. loan amount$27,250

TCPA consent documented

Exclusive to your territory

When you claim a ZIP code, every finance lead from buyers in that ZIP goes exclusively to you. No competing with another lender on the same contact.

Trade-in equity included

CarCostCX captures the buyer's current vehicle value and remaining balance, so you know the net loan amount before your first conversation.

Full TCPA documentation

Every lead includes a timestamped consent record confirming the buyer requested contact from your institution specifically.

Pricing

Simple. Transparent. No surprises.

Your first 3 months are complimentary. After that, one flat monthly fee covers your platform access and up to 5 ZIP codes. You are billed separately for leads at the end of each month.

First 3 months complimentary

$299.99/mo

After complimentary period

Platform fee$299.99/mo

ZIP codes includedUp to 5

Per lead received$4.99/lead

Lead billingMonthly itemized

Shared leadsNever

Setup fee$0

ContractMonth-to-month

Claim your territory

Why local credit unions win here.

Large national banks optimize their rates for shareholders. Local credit unions and community banks often beat them by 1 to 2 percent APR on prime and near-prime borrowers.

On CarCostCX, your rate wins the lead, not your marketing budget. If you are competitive on rate, you will receive the leads in your territory.

Credit unions and community banks welcome.

Common questions

Everything you need to know.

How does ZIP code exclusivity work?

When you claim a ZIP code, you become the exclusive finance partner for all buyers in that area. Any buyer who enters that ZIP and selects the finance option receives your rate and, if they opt in, their lead is routed exclusively to you. No other lender receives that lead. You can claim up to 5 ZIP codes with your platform subscription.

What happens in ZIP codes no partner has claimed?

In uncovered ZIP codes, leads are routed to the active finance partner offering the lowest APR for that buyer's credit tier. This means you can still receive leads from buyers outside your claimed territory if your rates are competitive.

What information comes with each lead?

Every lead includes the buyer's name, email, phone, ZIP code, credit tier, preferred loan term, the specific vehicle they selected, listed price, trade-in equity details, and estimated net loan amount. Full TCPA prior express written consent documentation is included with every lead.

How does billing work?

Your first 3 months are complimentary. Starting in month 4, you are billed $299.99 for platform access at the beginning of each month. Lead charges of $4.99 per lead are billed separately at the end of each month with a full itemized breakdown of every lead received.

Can I choose which credit tiers I compete for?

Yes. You set APR rates only for the tiers you want to serve. If your institution does not lend below a certain credit score, leave those tiers blank and you will not receive leads from buyers in those tiers.

Own your territory.One lender per ZIP code.

Most leads arrive with no vehicle,no intent, and no consent.

A buyer selects their vehicle.Your rate is displayed. You get the lead.

Not a credit score.A complete buyer and vehicle profile.