Auto Lending Software: Framework-Native with Full Collateral Control
Faster Funding, Lower Losses Across the Auto Finance Lifecycle
Build auto lending on the timveroOS platform in your environment.
Connect dealers and DMS, encode pricing and LTV policies, eContract and perfect liens, then service at scale. Get instant, explainable decisions with clean funding, title/eLien control, and compliant auto loan servicing software — zero vendor lock-in and full data control.
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Discover how TIMVERO’s flexible solutions can elevate your operations with tailored tools and seamless integration.
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Stages
Auto Loan Software that Fits Your Entire Workflow
From dealer onboarding and application capture to underwriting, funding, titling, servicing, and recovery: timveroOS makes every step UI/code configurable to match policies, accounting rules, and compliance requirements.
Dealer and channel onboarding made simple
Dealer-first and embedded-ready timveroOS lending management software for auto lenders equips dealers and channels with portals, widgets, and APIs connected to DMS systems. Set up KYB for dealers, agreements, and buy-rate/sell-rate grids. Set up dealer reserve payout models and enforce stips matrices with defined funding packet rules. Dealer portals include widgets for app submission, eContracting, stips upload, and decision status. All approvals and changes are versioned and audit-logged.
Explainable KYC and underwriting with zero guesswork
Capture applications from dealer, web, or mobile apps, then run KYC/AML checks, validate devices for fraud sygnals, and use open-banking data where permitted. The timveroOS auto loan financing software supports soft and hard pull for credit bureau reports, calculates DTI and LTV using vehicle valuation guides by VIN, trim, and mileage to ensure accurate affordability and collateral assessments. Generate explainable approvals with reason codes, governed overrides, and adverse-action support.
Fund cleanly with eContracts and eLien control
In timveroOS loan software for auto lenders, you can assemble offers with APR, term, and fees. eSign contracts, validate stips, disburse funds to dealers or borrowers, and calculate dealer reserve payouts. Post entries to the GL automatically. Initiate lien perfection (title/eLien), verify insurance, and attach GAP/VSC products. Publish schedules and payoff quotes to borrower and dealer portals. Exception routing helps ensure funding accuracy and prevents chargebacks.
Delinquency reduction: smart servicing, extensions and recovery
Automate billing, autopay, and payment changes. Support extensions, deferrals, and hardship requests. Trigger pre-delinquency alerts, dunning, and promise-to-pay workflows. Manage total loss claims, repossession, and remarketing with skip tracing. Reconcile bank files, process refunds and chargebacks, report to bureaus, and produce dashboards with cure and loss trends — all in a single auto loan management software module.
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Architecture
Single timveroOS Framework for People, Vehicles, Flows, and Products
The TIMVERO auto lending software models borrowers, co-borrowers, guarantors, dealers, and vehicles (VIN/trim/mileage). It tracks liens, insurance, affordability data, documents, and configurable flows: onboarding, underwriting, funding, titling, servicing, and recovery. With this framework, lenders can assemble direct, indirect, and refinance programs, which are fully extensible through code and integrations. This makes timveroOS a trusted loan software platform for auto lenders that adapts to every lending model.
Smarter Auto Loan Servicing Software with AI
AI models in timveroOS auto loan financing software predict early delinquency and cure probability, detect powerbooking and synthetic ID, and monitor LTV pressure from depreciation. They flag income misrepresentation and optimize outreach cadences for collections. Models train securely in your environment, using bureau, bank, device, and vehicle data, with explainability for governance.
Early delinquency and cure probability
Powerbooking and synthetic ID detection
Depreciation-aware LTV risk
Outreach & dunning cadence optimizer
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We work with
Flexible Enough for Any
Auto Lending model
Banks &
Credit Unions
Launch and scale direct and indirect auto lending programs with LTV and pricing encoded as policy. timveroOS supports eContracting, lien control, and stips validation for clean funding. Connect loan management software for auto lenders to core systems, GL, DMS/LOS, and payment rails. Gain compliant servicing, audit-ready operations, and full control of lending workflows in your own environment.
Captive Auto Finance (OEMs & Dealer Groups)
Provide dealers with branded portals, buy-down and subvention programs, inventory integrations, and rapid funding workflows governed by stips. timveroOS ensures program consistency across channels while giving OEMs and dealer groups full control of data, code, and release cycles. Build dealer confidence with faster decisions, transparent funding, and fully embedded auto finance operations.
Independent Auto Lenders & Marketplaces
Scale lending programs faster with instant, explainable credit decisions, embedded fraud prevention, and full-cycle servicing flexibility. TIMVERO delivers auto lending software that streamlines repossession and remarketing, automates payoff and chargeback handling, and generates comprehensive reports. You can launch or enhance programs independently of vendor roadmaps — accelerating iteration and reducing losses.
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Testimonials
Customer reviews
The project completed in 4 months: dealer onboarding accelerated, instant credit decisions enabled, and funding exceptions reduced.
“Dealer decisions are now instant and easy to explain to our partners. Funding exceptions have dropped noticeably. The system adapts to our policies instead of forcing us into a template.”
Lien/eTitle processes, automated insurance checks, and back-office accounting integration were achieved in just 3 months from project start.
“Lien and eTitle processing is smooth, and insurance checks no longer slow us down. With automated GL posting and dealer reserve payouts, our back office finally runs without frequent manual fixes.”
By deploying AI-powered delinquency alerts and fraud detection, the lender reduced early defaults and stopped fraudulent loans.
“The AI-driven delinquency alerts and powerbooking checks gave our collections team an edge. Cure rates improved, and overall losses notably went down in the first few quarters after go-live.”
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Framework-native
Framework-Native Auto Loan Management Software You Truly Own
Not just another SaaS. The timveroOS platform by TIMVERO provides pre-built modules and an SDK to assemble your auto-lending system in your own environment. You own the code, data, and release cycle. Start fast, extend freely, and avoid vendor lock-in.
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Next steps
See timveroOS
in Action
TIMVERO is a trusted partner for banks, captives, and independent auto lenders. Review an auto-lending architecture, start a pilot, or request a tech demo to see timveroOS in action.
Ready to start?
With TIMVERO, you get lending software solutions for auto lenders that combine the flexibility of custom development with the speed of framework-native deployment.
Get our free TIMVERO product guide