Increase sales volumes and OEM lending finance penetration

Supply chain issues, increased competition, rising margin pressures and evolving buyer behaviours continue to threaten profitability. The youX OEM Manufacturer product stack helps drive growth by increasing OEM lending finance penetration to lift sales volumes and overall profitability

Self-service is the new norm, empower your customers

Provide customers with the tools they need, while supporting your OEM lender proposition with the youX finance penetration waterfall.

Control the finance, control the sale

With 90% of car sales arranged through finance, it’s more important than ever to control the finance.
WHY DEALERSHIP FINANCE PENETRATION IS FALLING AND HOW YOUX CAN HELP
The Mission: for 80% dealership finance penetration
Falling dealership penetration
Deloitte research studies into Australian auto finance show that dealer finance penetration has consistently been falling. From 33% in 2014 to 23% in 2023.youX believes the drop is largely due to the following factors.
Business Manager availability
Ever-increasing ASIC scrutiny on dealership financial (finance and insurance) products has led to regulation restrictions, like commission capping. With smaller resulting margins driving business managers from the industry.
Supply chain Issues
Longer delivery durations post the initial order means more time for customers to shop around and for competing finance providers to potentially convert them.
Increasing market competition
It’s easier than ever for customers to find, compare and secure finance online, with marketplaces like CanStar and Rate City. As well as direct competition from bank and non-bank lenders
Changing buyer behaviours
In addition to increased online competition, buyer behaviour has also changed, further accelerating the issue. Millennials, now late twenties to early 40s, are the largest-ever consumer demographic. With higher earnings and an even higher prevalence of vehicle finance than previous generations. Millennials are also more tech savvy:
6+ internet enabled devices
in every Australian
home
17.6 hours spent researching online
before making
purchase
6pm and 11pm the hours they're typically online
outside of dealership
opening hours
In Summary
Falling finance penetration, squeezed margins, increasing competition and changing buyer behaviours point to the fact that dealers must focus on volume to remain similarly profitable to previous years. Delivering great conversion with the same or less resource, to the same or lower net budget.
Welcome to youX
Equipping OEM manufacturers, dealerships and dealership business managers with powerful finance technology and fulfilment products, youX launches its mission to 80% finance penetration. Unique product features allow customers to self-serve finance online and in-dealership. Including real quotes, instant pre-approvals and full lender-specific finance applications, with supporting documents, 24 hours a day, 7 days a week.
Working with 87% of Australia’s OEM branded lenders
youX automatically and instantly prioritises dealer floorplan agreements, waterfalling to secondary preferred and remaining lending panels – helping finance find a home and avoiding decline fatigue in the process. Ultimately saving business managers over an hour on every submitted finance application.
$7.4 Billion of finance opportunities annually
youX also adheres to ISO27001 practices, NCCP compliance and Australian Securities & Investments Commission Credit License obligations. The ecosystem has so far inspired the trust of 11,500+ dealer and broker users, along with 80+ lenders to process $7.4 Billion of finance opportunities annually.
Welcome to your end-to-end asset finance product stack
A product stack tailored to dealership growth
Drive more efficient finance volume
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scan

QR code activatied collateral.
youXScan turns every dealership surface into a customer self-served finance opportunity. Putting your loan products into the hands of customers.
youXScan launches youXApply in the dealership
By simply scanning the QR-code activated collateral, customers will launch their own personalised finance journey.
Lender branded, co-branded or generic branded
youX’s comprehensive suite of ready-to-go generic branded collateral can be co-branded or tailored to your specific brand guidelines.
Clear simple conversion messaging
youXScan collateral cuts through the clutter with clear, conversion focussed messaging. Ensuring in-retail distribution for your lending products.
Diverse formats for every opportunity
The range of youXScan collateral is ever-increasing. It’s either available or in-development. Let us know what you need.

apply

Point-of-sale finance application
youXApply puts lending product options into the palms of customers hands, at the point of sale, online 24/7 and in the dealership. Matching customers to suitable lenders, all while preserving floorplan agreements.
Serviceability in seconds
Funnel customer intent seamlessly from the instant calculator to a real live quote.
Instant pre-approvals, 95% accuracy
youX’s powerfully accurate lender matching engine provides conditional pre-approval with 95% accuracy.
Verification & validation for accuracy
Proprietary and 3rd party APIs verify and validate customer data. Including serviceability, credit history, income, identity and more.
Wide lender adoption
youX is working with 80+ Australian lenders, including 87% of Australia’s OEM branded lenders.
Finance penetration waterfall
youX protects floorplan agreements while increasing penetration by prioritising floorplan lender matches, then waterfalling to secondary and remaining lender tiers.
Quote to lender-specific applications
Progressively matching intent to capability, customers can continue from a real quote to full lender-specific finance applications, with supporting documents.
Direct-to-lender submissions
For the fastest ever finance experience. Customers can submit qualifying finance applications directly to participating lenders.
Customer credit health education
youX’s unique credit health education screen helps customers to understand their likely access to preferential lenders and rates.
Customised to your brand
youXApply blends seamlessly into your experience with customisable colours to match your brand. With the optional addition of your logo in the top left corner.

manage

Australia’s leading asset finance management platform.
Empowers business managers and brokers to successfully manage, capture, assess, quote, write and submit more deals more quickly, accurately and safely.”
All deals funnelled to one place
Customer leads drop straight into the worklist, which can be easily managed and prioritised to increase deal writing efficiency.
Easy deal writing process
Seasoned and new brokers alike will find the youXManage intuitive deal writing process incredibly easy and makes for more accurate safer finance deals.
Automated NCCP & notifications
youXManage takes care of NCCP compliance. With automated document requests and stage-based notifications for the BM or broker, the seller and the customer. And safer deals mean reduced risk of losses.
Electronic doc request & sign
Cross-device electronic document request and signing is supported, with all documents stored on youXManage.
Brandsafe security & ownership
youX follows ISO27001 and AWS data security practices. Which means your brokers’ customers and your customers data is safe.

lodge

Success Gurus.
At the intersection of asset finance technology and fulfilment expertise. youXLodge Success Gurus not only set you up with in-depth training, but also champion your ongoing success, every step of the way.
Direct to lender submissions for non-tech lenders
Speed up broker submissions with Lodge’s human API service. Making direct to lender submissions from youXManage possible, even if your lending business is not enabled with APIs yet.
In-depth tech training
From day 1, your lending business will be provided with in-depth training on all youX technology products, to make sure your team gets the best value from them.
Asset finance scenario support
youXLodge Success Gurus are asset finance experts and ready to help your brokers find finance a home with your lending products. Talk to Lodge today.
Over 80+ lender accreditations
Join the youX lending panel today and become part of the solution for our growing partners.
Live support, 7 days a week
youXLodge is available to support your business success 7 days a week.
Brandsafe submission services
youXLodge strives for the success of your business, so your customers stay yours and yours alone.

build

Your front-end, our back-end

Building your own front-end, with the technical smarts of our back-end. All delivered by a menu of API integrations. Just pick and choose what you need.

MatchingEngine

The most important youX technology. The MatchingEngine API connects your customer data to Australia’s most powerful lender matching engine.

LenderService

Help your customers to work out whether they can service a loan using their basic data and our lender serviceability algorithm.

LenderDirect

For the fastest ever finance experience. Your customers can submit qualifying finance applications directly to participating lenders.

Quoting

Derive real lender quotes in realtime, based on your customer’s entered data.

VehicleLookUp

Identify vehicles, using our VIN and NVIC vehicle look-up API.

OneTimeCode

Confirm returning users, with one time code authentication for mobile phone and email.

SessionPreFill

Allow customers to leave and return to their previous application, with session pre-fill capability.

OpticalCharacterRecognition

Reduce customer keystrokes, with document scanning technology pre-filling form fields.

SEAMLESS PRODUCT STACK INTEGRATIONS FOR NATIVE CUSTOMER EXPERIENCES
Launch your youX Dealer product stack within days
View Our Integration Process
See just how easy it is.
The youX product stack is engineered to ensure a low-code native integration. Meaning your dealership will be connected in hours and days, not weeks and months.
Discover youXApply Intergration
Request a
demo today
Join the industry’s most innovative asset finance
platform. and increase your finance footprint now.
Request A Demo
qualify, approve and settle more deals, faster.
Get the fastest access to Australia's lenders
Fast, accurate, single-touch submissions
youXManage supports direct submissions from the platform for all tech and non-tech lenders, using both LenderDirect APIs and youXLodge submission services under your own accreditations.
Access policies from over 80 lenders
With products and policies from over 80 lenders built into the system, youXManage users have the ability to access the largest collection of lenders available in the asset space.
Build your own lending panel
The youX lender matching engine can be easily customised to match your accredited lending panel. With further lending options available through your youXLodge Success Gurus.
In-depth training & 7 day support
In-depth tech training
In-person and online technology training across all youX tech products, helping you to get the best value.
7 day deal support
Asset finance experts, on hand 7 days a week, to provide scenario support from opportunity to settlement.
Onsite training available
Upon request. youX can arrange for a team member to visit your office and train your team.
Live support, 7 days a week
Need help after hours? Send an email to our support team and we’ll be in touch.
Embedded help centre
View the system user guides. Choose from step-by-step pdfs and short demo videos from the library.
We’re based in Sydney
Speak to a real person based in our office at a time that works for you.
Compliance Features
NCCP compliant
ASIC credit licence compliant
Point-of-sale exemption ready
Digital AML & KYC screening
Bank statement & credit file analysis
NCCP Compliance

youXManage users can electronically send Credit Quotes and Credit Guides directly to customers for e-signing. As well as smart generation of fact find, credit proposal and preliminary assessment documents. All of which are time / date stamped, verified by the user and stored within youXManage.

Ensuring NCCP compliance, the above is seamlessly integrated into our consumer application process, so that deals cannot progress to submission until mandatory information is captured and compliance documents are held. With a audit trail supported by a detailed system event log for every deal.

Privacy & Credit Reporting

Privacy documents are stored in youXManage and can be emailed directly to the customer for e-signing. Credit bureau reports are also available for request with smart design ensuring these cannot be requested without a signed privacy and customer information including drivers licence or identification.

Bank Statement

youXManage enables bank statements to be collected across 3, 6 or 12 month periods. Statement data is then available to verify the client’s expenses and income.

Digital AML & KYC Screening

youXManage users have the ability to capture traditional drivers licence and physical verification methods with data storage in Manage, against the client. The user also has access to a digital customer verification process to satisfy their AML / KYC requirements for verifications that are not in person.

Security Features
ISO 27001 practices
Collect, store & transmit data securely
Built on robust code
Locally stored on AWS
Google 2-Factor Authentication
Code and Development Controls

The youXManage system consists of a PHP/mysql-based processing platform, cloud-hosted and split across dedicated instances for individual clients. This is supported by numerous Node.js/MongoDB microservices which are also cloud-hosted.

The system is functionally assured at a number of levels, broadly split into the following categories; for security reasons some details are omitted.

Standard software development procedures are followed between development teams, with all software version-controlled and updates released only after functional assurance, via our local deployment process. Automated change detection and process monitoring on the server are also enforced as a failsafe measure to ensure correctness and completeness of new features and updates.

Functional testing on both the front and backend is currently performed via a suite of predefined scenarios, first in our dedicated development environment and then via user acceptance testing in our UAT environment.

Backups of the system state at points of known functionality are regularly updated and maintained, with rollback via version-controlled system state.

System Access & Data Security

Server access is controlled at a broad level via IP whitelists, then via a tiered user permissions scheme and finally 2-Factor Authentication. Audits are regularly performed on IP access and on recent logins.

Site access is controlled via SSL and the database access is designed to prevent malicious attacks such as SQL injection. Database snapshots are regularly synchronised and available for immediate restoration in the event of error or attack.

Performance & Availability

Individual components and server resources are monitored with automated (predictive) alerts the team.

System performance is regularly assured against known benchmarks, with code changes verified to ensure that they improve or maintain performance requirements.

Not just a
pretty interface
Our product stack delivers results

youX successes so far

$7.4B

Finance opportunities annually

$2.4B

Finance funded so far

716

Dealer users

80+

Unique lenders

Stories of partner growth

Ian Mason - MG LDV Parramatta

Rising margin pressures and evolving buyer behaviours continue to threaten dealership profitability. The youX Dealer product stack helps drive more efficient finance volume; with deeper finance penetration and reduced cost to service customers.

Press & Media

GO AUTO

GO AUTO

ADDA

Australian Business Journal

Australian Fintech

Proud partnerships

Certifications & awards

THE ADVISER

THE ADVISER

THE ADVISER

THE ADVISER

Connected to more than 80 lender partners

Learn More

Hear from our happy clients

Ian Mason

Dealer Principal, MG & LDV Parramatta

youX has enabled us to put more business through the offices, sell more cars and ultimately make more money. Both our business managers and customers find youX very easy to use.

Andrew Brough

General Manager Auto & Consumer

youX has enabled faster, easier, more accurate submissions for our business manager with direct to lender submissions from the youXManage platform.








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    Frequently Asked Questions
    What is youX?

    POWERFUL PRODUCTS FOR GROWTH

    youX delivers powerful asset finance technology and fulfilment products designed for multi-level business growth; including: enterprise, SME and start-up. Helping OEM manufacturers, dealers, brokers and lenders to better service their customers’ asset finance needs more quickly, safely and accurately than ever before. With unique product features that increase sales, while reducing the cost to service your customers. Welcome to youX.

    Why should my business trust youX?

    BRANDSAFE PARTNER PROMISE

    Brandsafe is a core youX value and our ‘closed loop’ partner promise is as much about data security, as it is the youX way of doing business. Inspiring our 11,500+ dealer and broker users, along with 80+ accredited lenders to trust us with $7.4 Billion of finance opportunities every single year.

    As a B2B champion, youX exists to support your brand. Delivering tailored product solutions with best-in-class experiences, aligning to your commercial objectives. Making you look great and your bottom line even better. And because youX strives purely for its partners, your client list will safely stay your own. No unsolicited contact, ever.

    How secure is the data and information processed through youX products?

    youX places a strong emphasis on data security and ensures that the data and information processed through their products are protected, including but not limited to:

    • Compliance: youX adheres to the National Consumer Credit Protection Act 2009 (NCCP) and Australian Securities & Investments Commission Credit License obligations
    • ISO27001 practices: youX protects and secures customer data in line with ISO27001 practices, the international standard for information security
    • 2-Factor Authentication: Whether it’s customers accessing their work-in-progress youX application or brokers and business managers logging in to youXManage to write deals, access to all our products is protected by 2-Factor Authentication
    • Data encryption: youX employs encryption techniques to protect sensitive data during transmission and storage. Encryption ensures that data remains secure and inaccessible to unauthorised individuals or entities
    • Secure infrastructure: youX maintains secure AWS infrastructure to host and process data. Utilising state-of-the-art security measures, including firewalls, intrusion detection systems, and regular security audits, to safeguard our systems from unauthorised access
    • Data access controls: Access to data within youX products is restricted to authorised personnel only. Role-based access controls are implemented to ensure that individuals have appropriate access rights based on their responsibilities and job roles
    • Ongoing monitoring and auditing: youX conducts regular monitoring and auditing of systems to identify and address any potential security vulnerabilities. This proactive approach helps ensure that data security measures remain up to date and effective

    It’s important to note that while youX takes significant measures to secure data, it’s also essential for your business to follow best practices in data protection. This includes implementing secure access controls, user authentication measures, and internal data security protocols.

    What can youX help me with?

    FASTER, EASIER, MORE ACCURATE ASSET FINANCE

    The youX technology and fulfilment product stack is flexibly built and seamlessly connected to help partners grow with faster, safer, more accurate asset finance. Typical objectives of our audiences include:

    • OEM Manufacturers: Drive central revenues and support their dealer network
    • Dealers: Capture more leads, increase finance penetration, reduce the cost to service your customers
    • Brokers: Capture more leads, successfully lodge more deals, reduce the cost to service your customers
    • Lenders: Receive more of the customers they want more quickly, reduce the cost to service your customers
    • Marketplaces and Editorials: Unlock asset finance value in their audience
    • Customers (via partners): Find a suitable lender quickly and easily, successfully submit a full lender specific application

     

    DIVERSE LENDING PANEL

    youX products support a truly comprehensive range of asset finance options, across a diverse lending panel. Which means your customers can easily find the right loan for their needs, whether they’re online, in your office or on your forecourt.

    And whenever you need extra help, youXLodge Success Gurus are on hand. From in-depth asset finance scenario support to simply covering any lender accreditations you don’t have, drawing on youX’s 80+ lenders. Making it easier than ever to find finance a home.

    DIVERSE ASSET TYPES

    So whatever assets your customers are buying, youX has you and your customers covered:

    • Vehicle finance: This includes financing for various types of vehicles, such as cars, motorcycles, trucks, vans, and commercial vehicles
    • Equipment finance: youX provides asset finance solutions for a wide range of equipment, including machinery, agricultural equipment, construction equipment, industrial equipment, and more
    • Marine finance: Financing options for boats, yachts, and other marine vessels are available through youX. Whether for personal or commercial use, customers can find suitable marine finance solutions
    • Leisure finance: This category covers financing for recreational vehicles like motorhomes, caravans, campervans, and other leisure-related assets
    • Commercial finance: youX offers asset finance solutions for commercial purposes, such as financing for business equipment, office furniture, technology infrastructure, and other assets required by businesses

    Personal finance: In addition to commercial financing, youX also supports personal asset finance. This includes loans for personal vehicles, leisure assets, and other personal-use assets

    How can youX technology and fulfilment products benefit an OEM manufacturing business?

    SELL MORE, REDUCE THE COST TO SERVICE YOUR CUSTOMERS

    youX delivers powerful asset finance technology and fulfilment products designed for OEM manufacturer business growth. The youX product stack is flexibly built and seamlessly connected to help your business with a range of commercial objectives, including, but not limited to:

    • Increased lead opportunities: Drive additional revenues by leveraging our technology and fulfilment products to better capitalise on centrally (core brand) engaged audiences. Or further support your dealer network by passing on derived opportunities with auto-referral to the best suited dealership
    • Stronger dealer network commercials: Introduce youX as an approved partner to your dealer network to support their commercial objectives. More quickly and easily converting sales, deepening finance penetration, with our lender waterfall (including floorplan protection), and reducing the cost to survive your customers
    • Streamlined for cost reduction: youX’s customer self-serve Capture app and BM initiated Manage journeys achieve operational efficiencies, typically saving over an hour for every completed finance application. Featuring fast automated online processes, from collaborative finance applications, powerfully instant lender matching engine, document uploads, e-signed documents, automated NCCP compliance and much much more
    • Better customer experience: youX’s product stack delivers best-in-class customer finance experiences, delivering easier, faster finance pre-approval and fully completed finance applications with supporting documents in just a few minutes
    • Data insights: youX’s extensive data analytics help OEM manufacturer partners to gain a deeper understanding of their customers’ buying behaviours and financing preferences. Helping to refine marketing strategies, product offerings, and customer targeting, ultimately driving better business decisions
    • Ongoing value: youXLodge Success Gurus deliver an unprecedented holistic benefit to the OEM manufacturer and dealer network, building evermore human value with the ongoing activation and skills training in the implementation of technology and asset finance expertise in the team

    Overall, youX technology and fulfilment products can help to support a healthier dealer network, with deeper finance penetration and faster conversions for the long term health of the OEM manufacturer.

    What types of asset finance are supported by youX?

    DIVERSE ASSET TYPES & LENDING PANEL

    youX products support a truly comprehensive range of asset finance options, so whatever assets your dealers are selling, youX has you, your dealers and their customers covered:

    • Vehicle finance: This includes financing for various types of vehicles, such as cars, motorcycles, trucks, vans, and commercial vehicles
    • Equipment finance: youX provides asset finance solutions for a wide range of equipment, including machinery, agricultural equipment, construction equipment, industrial equipment, and more
    • Marine finance: Financing options for boats, yachts, and other marine vessels are available through youX. Whether for personal or commercial use, customers can find suitable marine finance solutions
    • Leisure finance: This category covers financing for recreational vehicles like motorhomes, caravans, campervans, and other leisure-related assets
    • Commercial finance: youX offers asset finance solutions for commercial purposes, such as financing for business equipment, office furniture, technology infrastructure, and other assets required by businesses
    • Personal finance: In addition to commercial financing, youX also supports personal asset finance. This includes loans for personal vehicles, leisure assets, and other personal-use assets

    youX products also support a diverse lending panel. Which means your customers can easily find the right loan for their needs, whether they’re online, in your dealers’ office or on the dealers’ forecourt.

    And whenever you or your dealers need extra help, youXLodge Success Gurus are on hand. From in-depth asset finance scenario support to simply covering any lender accreditations you don’t have, drawing on youX’s 80+ lenders. Making it easier than ever to find finance a home.

    Are youX technology products compatible with our existing systems and infrastructure?

    SEAMLESSLY CONNECTED, AGNOSTICALLY FLEXIBLE

    youX technology products are designed to be seamlessly connected, yet agnostically flexible, allowing for compatibility with almost any existing systems and infrastructure, including:

    • Integration capabilities: youX offers integration capabilities that enable smooth connectivity with your existing systems. This may involve integrating with your CRM (Customer Relationship Management) system, dealer management system, or other relevant platforms to ensure data flow and streamline processes.
    • API and Data Exchange: youX provides APIs (Application Programming Interfaces) and data exchange mechanisms that facilitate the secure and efficient transfer of information between systems. This allows for seamless communication and data synchronisation between youX products and your existing infrastructure.
    • Customisation and configuration: Depending on your specific needs, youX technology products can be customised and configured to align with your existing systems and workflows. This ensures that the implementation of youX products can complement and enhance your current infrastructure.
    • Technical support and collaboration: youXLodge Success Gurus collaborate closely with our partners to ensure successful integration and compatibility. We provide technical support and guidance throughout the integration process, working with your IT team to address any compatibility challenges that may arise.

    We recommend discussing your specific requirements and infrastructure with us during the initial requirements discussion. This will allow us to provide the right solution and compatibility guidance.

    How secure is the data and information processed through youX products?

    BRANDSAFE PARTNER PROMISE

    youX places a strong emphasis on data security and ensures that the data and information processed through their products are protected, including but not limited to:

    • Compliance: youX adheres to the National Consumer Credit Protection Act 2009 (NCCP) and Australian Securities & Investments Commission Credit License obligations
    • ISO27001 practices: youX protects and secures customer data in line with ISO27001 practices, the international standard for information security
    • 2-Factor Authentication: Whether it’s customers accessing their work-in-progress youX application or brokers and business managers logging in to youXManage to write deals, access to all our products is protected by 2-Factor Authentication
    • Data encryption: youX employs encryption techniques to protect sensitive data during transmission and storage. Encryption ensures that data remains secure and inaccessible to unauthorised individuals or entities
    • Secure infrastructure: youX maintains secure AWS infrastructure to host and process data. Utilising state-of-the-art security measures, including firewalls, intrusion detection systems, and regular security audits, to safeguard our systems from unauthorised access
    • Data access controls: Access to data within youX products is restricted to authorised personnel only. Role-based access controls are implemented to ensure that individuals have appropriate access rights based on their responsibilities and job roles
    • Ongoing monitoring and auditing: youX conducts regular monitoring and auditing of systems to identify and address any potential security vulnerabilities. This proactive approach helps ensure that data security measures remain up to date and effective

    It’s important to note that while youX takes significant measures to secure data, it’s also essential for your business to follow best practices in data protection. This includes implementing secure access controls, user authentication measures, and internal data security protocols.

    What kind of support and assistance does youX provide during the onboarding, implementation and aftercare?

    SUCCESS (GURUS) BUILT IN

    youX strongly believes that onboarding is just the start of the journey and provides comprehensive support and assistance not just throughout the onboarding and implementation, but also ongoing aftercare stages. And it all starts and ends with youXLodge, your Success Gurus. Here’s an overview of some of the support services you can expect:

    • Onboarding and implementation: During the onboarding process, Lodge Success Gurus collaborate closely with your business to ensure a smooth transition and successful implementation. Providing dedicated support and guidance to help integrate the technology products into your existing ecosystem and workflows
    • Training and education: Lodge Success Gurus offer value activation in the form of in-depth group and one-on-one training and education programs. Ensuring that your team is equipped with the knowledge and skills to effectively utilise their products. This includes training sessions, workshops, and resources to help your staff understand youX technology features, tools and functionalities, as well as asset finance industry best practices
    • Technical support: Lodge Success Gurus are your single point of contact for all ongoing support, issues or questions that may arise, whether technology or asset finance related. The Lodge support team is available to assist you with troubleshooting, system inquiries, and resolving asset finance scenario challenges
    • Continuous improvement & upgrades: youX is committed to continuous improvement and regularly releases updates and enhancements to their products. We’ll keep you informed about new features, improvements, and system updates to ensure you can take advantage of the latest capabilities. These upgrades are designed to enhance the user experience and provide additional value to your business

    youX is dedicated to providing comprehensive support and assistance throughout the entire journey, from onboarding to ongoing usage. With Lodge Success Gurus at your disposal to ensure full value realisation across technology products and asset finance fulfilment.

    How does the pricing structure work for the youX OEM Manufacturer product stack?

    TAILORED PRODUCTS, WITH TAILORED PRICING

    Speak to youX today to discuss your specific requirements, and we’ll recommend a product stack that meets your commercial objectives, with a pricing structure to match the recommendation.

    Pricing details may vary depending on factors such as the scope of services, customisation requirements, and the specific needs of your business. 

    How can youX technology and fulfilment products benefit a dealer?

    SELL MORE, REDUCE THE COST TO SERVICE YOUR CUSTOMERS

    youX delivers powerful asset finance technology and fulfilment products designed for dealer business growth. The youX product stack is flexibly built and seamlessly connected to help your business with a range of commercial objectives, including, but not limited to:

    • Increased lead opportunities: Drive additional revenues by leveraging our technology and fulfilment products to capture online website leads 24/7, even outside of opening hours
    • Stronger dealer commercials: youX supports your commercial objectives. More quickly and easily convert sales, deepen finance penetration, with our lender waterfall (including floorplan protection), and reduce the cost to service your customers
    • Streamlined for cost reduction: youX’s customer self-serve Capture app and BM initiated Manage journeys achieve operational efficiencies, typically saving over an hour for every completed finance application. Featuring fast automated online processes, from collaborative finance applications, powerfully instant lender matching engine, document uploads, e-signed documents, automated NCCP compliance and much much more
    • Better customer experience: youX’s product stack delivers best-in-class customer finance experiences, delivering easier, faster finance pre-approval and fully completed finance applications with supporting documents in just a few minutes
    • Data insights: youX’s extensive data analytics help dealers to gain a deeper understanding of their customers’ buying behaviours and financing preferences. Helping to refine marketing strategies, product offerings, and customer targeting, ultimately driving better business decisions
    • Ongoing value: youXLodge Success Gurus deliver an unprecedented holistic benefit, building evermore human value with the ongoing activation and skills training in the implementation of technology and asset finance expertise in your team

    Overall, youX technology and fulfilment products can help to support commercially stronger dealerships, with deeper finance penetration and faster conversions.

    What types of asset finance are supported by youX?

    DIVERSE ASSET TYPES & LENDING PANEL

    youX products support a truly comprehensive range of asset finance options, so whatever assets your dealership sells, youX has you and your customers covered:

    • Vehicle finance: This includes financing for various types of vehicles, such as cars, motorcycles, trucks, vans, and commercial vehicles
    • Equipment finance: youX provides asset finance solutions for a wide range of equipment, including machinery, agricultural equipment, construction equipment, industrial equipment, and more
    • Marine finance: Financing options for boats, yachts, and other marine vessels are available through youX. Whether for personal or commercial use, customers can find suitable marine finance solutions
    • Leisure finance: This category covers financing for recreational vehicles like motorhomes, caravans, campervans, and other leisure-related assets
    • Commercial finance: youX offers asset finance solutions for commercial purposes, such as financing for business equipment, office furniture, technology infrastructure, and other assets required by businesses
    • Personal finance: In addition to commercial financing, youX also supports personal asset finance. This includes loans for personal vehicles, leisure assets, and other personal-use assets

     

    youX products also support a diverse lending panel. Which means you and your customers can easily find the right loan for their needs, whether they’re online, in your office or on the forecourt.

    And whenever you need extra help, youXLodge Success Gurus are on hand. From in-depth asset finance scenario support to simply covering any lender accreditations you don’t have, drawing on youX’s 80+ lenders. Making it easier than ever to find finance a home.

    Are youX technology products compatible with our existing systems and infrastructure?

    SEAMLESSLY CONNECTED, AGNOSTICALLY FLEXIBLE

    youX technology products are designed to be seamlessly connected, yet agnostically flexible, allowing for compatibility with almost any existing systems and infrastructure.

    • Integration capabilities: youX offers integration capabilities that enable smooth connectivity with your existing systems. This may involve integrating with your CRM (Customer Relationship Management) system, dealer management system, or other relevant platforms to ensure data flow and streamline processes
    • API and Data Exchange: youX provides APIs (Application Programming Interfaces) and data exchange mechanisms that facilitate the secure and efficient transfer of information between systems. This allows for seamless communication and data synchronisation between youX products and your existing infrastructure
    • Customisation and configuration: Depending on your specific needs, youX technology products can be customised and configured to align with your existing systems and workflows. This ensures that the implementation of youX products can complement and enhance your current infrastructure
    • Technical support and collaboration: youXLodge Success Gurus collaborate closely with our partners to ensure successful integration and compatibility. We provide technical support and guidance throughout the integration process, working with your IT team to address any compatibility challenges that may arise

    We recommend discussing your specific requirements and infrastructure with us during the initial requirements discussion. This will allow us to provide the right solution and compatibility guidance.

    How secure is the data and information processed through youX products?

    BRANDSAFE PARTNER PROMISE

    youX places a strong emphasis on data security and ensures that the data and information processed through their products are protected, including but not limited to:

    • Compliance: youX adheres to the National Consumer Credit Protection Act 2009 (NCCP) and Australian Securities & Investments Commission Credit License obligations
    • ISO27001 practices: youX protects and secures customer data in line with ISO27001 practices, the international standard for information security
    • 2-Factor Authentication: Whether it’s customers accessing their work-in-progress youX application or brokers and business managers logging in to youXManage to write deals, access to all our products is protected by 2-Factor Authentication
    • Data encryption: youX employs encryption techniques to protect sensitive data during transmission and storage. Encryption ensures that data remains secure and inaccessible to unauthorised individuals or entities
    • Secure infrastructure: youX maintains secure AWS infrastructure to host and process data. Utilising state-of-the-art security measures, including firewalls, intrusion detection systems, and regular security audits, to safeguard our systems from unauthorised access
    • Data access controls: Access to data within youX products is restricted to authorised personnel only. Role-based access controls are implemented to ensure that individuals have appropriate access rights based on their responsibilities and job roles
    • Ongoing monitoring and auditing: youX conducts regular monitoring and auditing of systems to identify and address any potential security vulnerabilities. This proactive approach helps ensure that data security measures remain up to date and effective

    It’s important to note that while youX takes significant measures to secure data, it’s also essential for your business to follow best practices in data protection. This includes implementing secure access controls, user authentication measures, and internal data security protocols.

    What kind of support and assistance does youX provide during the onboarding, implementation and aftercare?

    SUCCESS (GURUS) BUILT IN

    youX strongly believes that onboarding is just the start of the journey and provides comprehensive support and assistance not just throughout the onboarding and implementation, but also ongoing aftercare stages. And it all starts and ends with youXLodge, your Success Gurus. Here’s an overview of some of the support services you can expect:

    • Onboarding and implementation: During the onboarding process, Lodge Success Gurus collaborate closely with your business to ensure a smooth transition and successful implementation. Providing dedicated support and guidance to help integrate the technology products into your existing ecosystem and workflows
    • Training and education: Lodge Success Gurus offer value activation in the form of in-depth group and one-on-one training and education programs. Ensuring that your team is equipped with the knowledge and skills to effectively utilise their products. This includes training sessions, workshops, and resources to help your staff understand youX technology features, tools and functionalities, as well as asset finance industry best practices
    • Technical support: Lodge Success Gurus are your single point of contact for all ongoing support, issues or questions that may arise, whether technology or asset finance related. The Lodge support team is available to assist you with troubleshooting, system inquiries, and resolving asset finance scenario challenges
    • Continuous improvement & upgrades: youX is committed to continuous improvement and regularly releases updates and enhancements to their products. We’ll keep you informed about new features, improvements, and system updates to ensure you can take advantage of the latest capabilities. These upgrades are designed to enhance the user experience and provide additional value to your business

    youX is dedicated to providing comprehensive support and assistance throughout the entire journey, from onboarding to ongoing usage. With Lodge Success Gurus at your disposal to ensure full value realisation across technology products and asset finance fulfilment.

    How does the pricing structure work for the youX OEM Manufacturer product stack?

    TAILORED PRODUCTS, WITH TAILORED PRICING

    Speak to youX today to discuss your specific requirements, and we’ll recommend a product stack that meets your commercial objectives, with a pricing structure to match the recommendation.

    Pricing details may vary depending on factors such as the scope of services, customisation requirements, and the specific needs of your business. 

    How can youX technology and fulfilment products benefit a broker?

    SELL MORE, REDUCE THE COST TO SERVICE YOUR CUSTOMERS

    youX delivers powerful asset finance technology and fulfilment products designed for lender business growth. Partnering with Australia’s biggest, best and most forward thinking lenders. The youX product stack is flexibly built and seamlessly connected to help your business with a range of commercial objectives, including, but not limited to:

    • Increased lead generation: youX helps lenders receive more leads, more quickly by gaining access to a vast network of OEM manufacturers, dealers, brokers, and marketplaces, which increases their visibility and generates a higher volume of leads. This opens up opportunities for lenders to diversify their lending portfolio, target new customer segments, and explore untapped markets
    • More of the customers you want: youX advanced customer data verification and validation, combined with a powerful lender matching engine means lenders get more of the customers they want and less of the customers they don’t
    • Agile product launch: With youX’s powerful lender matching engine utilised across customer, broker and BM products, lender finance product launches are instantaneous, with realtime market feedback allowing for truly agile test and learn practices
    • Streamlined deal lodgment: youX’s direct-to-lender API submissions mean faster more accurate submissions, reducing the cost to service customers, for both lenders, dealers and BMs
    • Enhanced credit decisioning: youX provides lenders with comprehensive data insights to support credit decisioning. Including credit scores, financial information, and other relevant data points to make informed lending decisions quickly and accurately
    • Cost reduction: youX’s technology products are designed to reduce the cost to service your customers. With more accurate lender matching, better data quality, safely automated NCCP compliant deals and one-to-one (instead of one-to-many) direct-to-lender APIs, lenders can achieve ever greater cost savings and operational efficiencies, resulting in improved profitability
    • Risk mitigation: youX’s compliance with regulations such as the National Consumer Credit Protection Act 2009 (NCCP) and adherence to international security standards, such as ISO27001, ensure comprehensive data security and regulatory compliance
    • Improved customer experience: youX’s technology enhances the overall customer experience by providing a seamless and user-friendly application process. Lenders can offer their customers a digital and convenient way to apply for financing, resulting in higher customer satisfaction and loyalty

    Overall, youX technology and fulfilment products empower lenders to streamline operations, increase lead generation, improve credit decisioning, reduce costs, expand their market reach, mitigate risks, and enhance the customer experience. These benefits contribute to improved efficiency, profitability, and competitiveness in the asset finance industry.

    What types of asset finance are supported by youX?

    DIVERSE ASSET TYPES & LENDING PANEL

    youX products support a truly comprehensive range of asset finance options, so whatever assets our partners need to finance, youX has them and their customers covered:

    • Vehicle finance: This includes financing for various types of vehicles, such as cars, motorcycles, trucks, vans, and commercial vehicles
    • Equipment finance: youX provides asset finance solutions for a wide range of equipment, including machinery, agricultural equipment, construction equipment, industrial equipment, and more
    • Marine finance: Financing options for boats, yachts, and other marine vessels are available through youX. Whether for personal or commercial use, customers can find suitable marine finance solutions
    • Leisure finance: This category covers financing for recreational vehicles like motorhomes, caravans, campervans, and other leisure-related assets
    • Commercial finance: youX offers asset finance solutions for commercial purposes, such as financing for business equipment, office furniture, technology infrastructure, and other assets required by businesses
    • Personal finance: In addition to commercial financing, youX also supports personal asset finance. This includes loans for personal vehicles, leisure assets, and other personal-use assets

     

    youX products also support a diverse lending panel. Which means our partners can easily find the right loan for their needs, whether they’re online, on the phone or in their.

    And whenever they need extra help, youXLodge Success Gurus are on hand. From in-depth asset finance scenario support to simply covering any lender accreditations they don’t have, drawing on youX’s 80+ lenders. Making it easier than ever to find finance a home.

    Are youX technology products compatible with our existing systems and infrastructure?

    SEAMLESSLY CONNECTED, AGNOSTICALLY FLEXIBLE

    youX technology products are designed to be seamlessly connected, yet agnostically flexible, allowing for compatibility with almost any existing systems and infrastructure.

    • Integration capabilities: youX offers integration capabilities that enable smooth connectivity with your existing systems. This may involve integrating with your CRM (Customer Relationship Management) system, dealer management system, or other relevant platforms to ensure data flow and streamline processes
    • API and Data Exchange: youX provides APIs (Application Programming Interfaces) and data exchange mechanisms that facilitate the secure and efficient transfer of information between systems. This allows for seamless communication and data synchronisation between youX products and your existing infrastructure
    • Customisation and configuration: Depending on your specific needs, youX technology products can be customised and configured to align with your existing systems and workflows. This ensures that the implementation of youX products can complement and enhance your current infrastructure
    • Technical support and collaboration: youXLodge Success Gurus collaborate closely with our partners to ensure successful integration and compatibility. We provide technical support and guidance throughout the integration process, working with your IT team to address any compatibility challenges that may arise

    We recommend discussing your specific requirements and infrastructure with us during the initial requirements discussion. This will allow us to provide the right solution and compatibility guidance.

    How secure is the data and information processed through youX products?

    BRANDSAFE PARTNER PROMISE

    youX places a strong emphasis on data security and ensures that the data and information processed through their products are protected, including but not limited to:

    • Compliance: youX adheres to the National Consumer Credit Protection Act 2009 (NCCP) and Australian Securities & Investments Commission Credit License obligations
    • ISO27001 practices: youX protects and secures customer data in line with ISO27001 practices, the international standard for information security
    • 2-Factor Authentication: Whether it’s customers accessing their work-in-progress youX application or brokers and business managers logging in to youXManage to write deals, access to all our products is protected by 2-Factor Authentication
    • Data encryption: youX employs encryption techniques to protect sensitive data during transmission and storage. Encryption ensures that data remains secure and inaccessible to unauthorised individuals or entities
    • Secure infrastructure: youX maintains secure AWS infrastructure to host and process data. Utilising state-of-the-art security measures, including firewalls, intrusion detection systems, and regular security audits, to safeguard our systems from unauthorised access
    • Data access controls: Access to data within youX products is restricted to authorised personnel only. Role-based access controls are implemented to ensure that individuals have appropriate access rights based on their responsibilities and job roles
    • Ongoing monitoring and auditing: youX conducts regular monitoring and auditing of systems to identify and address any potential security vulnerabilities. This proactive approach helps ensure that data security measures remain up to date and effective

    It’s important to note that while youX takes significant measures to secure data, it’s also essential for your business to follow best practices in data protection. This includes implementing secure access controls, user authentication measures, and internal data security protocols.

    What kind of support and assistance does youX provide during the onboarding, implementation and aftercare?

    SUCCESS (GURUS) BUILT IN

    youX strongly believes that onboarding is just the start of the journey and provides comprehensive support and assistance not just throughout the onboarding and implementation, but also ongoing aftercare stages. And it all starts and ends with youXLodge, your Success Gurus. Here’s an overview of some of the support services you can expect:

    • Onboarding and implementation: During the onboarding process, Lodge Success Gurus collaborate closely with your business to ensure a smooth transition and successful implementation. Providing dedicated support and guidance to help integrate the technology products into your existing ecosystem and workflows
    • Training and education: Lodge Success Gurus offer value activation in the form of in-depth group and one-on-one training and education programs. Ensuring that your team is equipped with the knowledge and skills to effectively utilise their products. This includes training sessions, workshops, and resources to help your staff understand youX technology features, tools and functionalities, as well as asset finance industry best practices
    • Technical support: Lodge Success Gurus are your single point of contact for all ongoing support, issues or questions that may arise, whether technology or asset finance related. The Lodge support team is available to assist you with troubleshooting, system inquiries, and resolving asset finance scenario challenges
    • Continuous improvement & upgrades: youX is committed to continuous improvement and regularly releases updates and enhancements to their products. We’ll keep you informed about new features, improvements, and system updates to ensure you can take advantage of the latest capabilities. These upgrades are designed to enhance the user experience and provide additional value to your business

    youX is dedicated to providing comprehensive support and assistance throughout the entire journey, from onboarding to ongoing usage. With Lodge Success Gurus at your disposal to ensure full value realisation across technology products and asset finance fulfilment.

    How does the pricing structure work for the youX OEM Manufacturer product stack?

    TAILORED PRODUCTS, WITH TAILORED PRICING

    Speak to youX today to discuss your specific requirements, and we’ll recommend a product stack that meets your commercial objectives, with a pricing structure to match the recommendation.

    Pricing details may vary depending on factors such as the scope of services, customisation requirements, and the specific needs of your business.

    What is youX?

    POWERFUL PRODUCTS FOR FASTER, EASIER MORE ACCURATE ASSET FINANCE

    youX helps OEM manufacturers, dealers, brokers and lenders to deliver better customer experiences through asset finance technology and fulfilment products. If you’ve found youX, it’s likely that you’ve come through via one of our partners.

    Should you need any further help, you can speak to the original partner for more information or contact youXLodge and we’ll help you find a partner to speak to.

    Why should I trust a youX product with my data?

    TRUSTED BY THOUSANDS WITH BILLIONS

    Safety and security is a core youX value and our ‘closed loop’ promise is as much about data security, as it is the youX way of doing business. Inspiring our 11,500+ dealer and broker users, along with 80+ accredited lenders to trust us with $7.4 Billion of finance opportunities every single year.

     

    Below are just a few of the things youX does to keep your data safe, secure and complaint:

     

    • Compliance: youX adheres to the National Consumer Credit Protection Act 2009 (NCCP) and Australian Securities & Investments Commission Credit License obligations
    • ISO27001 practices: youX protects and secures customer data in line with ISO27001 practices, the international standard for information security
    • Data encryption: youX employs encryption techniques to protect sensitive data during transmission and storage. Encryption ensures that data remains secure and inaccessible to unauthorised individuals or entities
    • Secure infrastructure: youX maintains secure AWS infrastructure to host and process data. Utilising state-of-the-art security measures, including firewalls, intrusion detection systems, and regular security audits, to safeguard our systems from unauthorised access
    • Data access controls: Access to data within youX products is restricted to authorised personnel only. Role-based access controls are implemented to ensure that individuals have appropriate access rights based on their responsibilities and job roles
    • Ongoing monitoring and auditing: youX conducts regular monitoring and auditing of systems to identify and address any potential security vulnerabilities. This proactive approach helps ensure that data security measures remain up to date and effective

    Should you need any further help, you can speak to the original partner for more information or contact youXLodge and we’ll help you find a partner to speak to.

    What can youX help me with?

    DIVERSE ASSET TYPES & LENDING PANEL

    youX supports a comprehensive range of asset finance options, including:

    • Vehicle finance: This includes financing for various types of vehicles, such as cars, motorcycles, trucks, vans, and commercial vehicles
    • Equipment finance: youX provides asset finance solutions for a wide range of equipment, including machinery, agricultural equipment, construction equipment, industrial equipment, and more
    • Marine finance: Financing options for boats, yachts, and other marine vessels are available through youX. Whether for personal or commercial use, customers can find suitable marine finance solutions
    • Leisure finance: This category covers financing for recreational vehicles like motorhomes, caravans, campervans, and other leisure-related assets
    • Commercial finance: youX offers asset finance solutions for commercial purposes, such as financing for business equipment, office furniture, technology infrastructure, and other assets required by businesses
    • Personal finance: In addition to commercial financing, youX also supports personal asset finance. This includes loans for personal vehicles, leisure assets, and other personal-use assets

    Should you need any further help, you can speak to the original partner for more information or contact youXLodge and we’ll help you find a partner to speak to.

    How do I get started with the youXApply application?

    CLICK GET QUOTE NOW TO GET STARTED

    Simply click “Get Quote Now” to get started. Then follow the super simple questions to begin entering your details. You’ll then be auto-matched with Australia’s largest lender panel to get live personalised quotes with suitable lenders, automatically checking your details against the lenders’ unique lending policies.

    How long will a youX application take?

     A FEW MINS FROM BEGINNING TO END

    The application process has been designed to be as quick and easy as possible. From start, through auto-lender-matching, fast finance pre-approval, to submission of a full finance application directly to participating lenders, the whole process just takes a couple of minutes.

    Does a youX application affect my credit score?

    youX APPLICATION IS CREDIT FILE SAFE

    youX makes it easy for you to auto-match with suitable lenders and gain a finance pre-approval without it leaving a mark on your credit file or affecting your score. You’re then able to go on to submit a full finance application directly to a lender.

    Once a fully completed application has been submitted to a lender, the lender will need to run a full credit report. This, as with any full finance application to a lender, could affect your score if your finance application is unsuccessful.

    What documents will I need for a youX application?

    A FEW KEY DOCUMENTS

    youX does everything it can to make life easier for you. Having your driving licence handy will save you time, as the OCR document scanning technology uses your driving licence details, instead of having to enter the information by hand.

    Once you’ve been auto-matched to your most suitable lender, there may be some additional documents like payslips that the lender needs to process your application. You can upload these straight away or log back in later when you have them to hand.

    Does my credit score affect my eligibility?

    WE’LL HELP YOU UNDERSTAND YOUR CREDIT SCORE

    When youX auto-matches you with suitable lender’s, all the information you provide is being checked, such as, the asset being purchased, housing status, previous loan defaults, employment stability, your credit score and more – to not only check for eligibility, but also the type of rates you might be able to access. While there are a number of factors, it’s important to try to keep a strong credit score to access the best finance products and rates.

    It’s also good to know that from lender to lender their customer preferences change, which is why it’s so important for us to have Australia’s largest lender panel. To give you the best chance of finding the most suitable funding.

    Can I add a deposit to reduce my finance?

    LARGER DEPOSITS INCREASE CHANCE OF APPROVAL

    Yes. You can absolutely add a deposit. In fact, adding a 10 or 20% deposit could give you access to more lenders, reduce your interest rates, improve your chance of approval and even reduce your repayment amount. Should you struggle with matching with suitable lenders, try increasing your deposit amount.

    What happens after applying?

    YOU’LL RECEIVE A CALL

    Once your finance application has been fully completed, one of two things will happen. If your finance application has been successfully completed to go directly to your matched lender, then the lender will reach out to check things with you before formally assessing your applications for an unconditional approval. If your application needs some extra info before it can go to a lender, then the dealer or broker will reach out to you, depending on where you started your finance journey. Either way, you can expect a phone call to catch up. If you have any questions at any point, you can speak to the original partner for more information or contact youXLodge.

    Are there any hidden fees?

    NO HIDDEN FEES

    Absolutely not, the rates you see are the rates you’ll pay. While lenders typically do have some fees and charges with their finance products, youX makes sure they’re all wrapped up into the quoted interest rates and payments. So you can rest assured that there’ll be no surprises.

    Once approved, is the money sent to me?

    THE SELLER RECEIVES THE FUNDS

    After your matched lender has given your asset finance application unconditional approval, the dealer or private seller will be contacted to submit a sales invoice. Once this is received and you have signed your loan paperwork, the funds are transferred to the dealer or private seller.  When they have confirmed receipt of the funds you can then pick up your new purchase.

    Which lenders does youX use?

    LARGEST LENDING PANEL IN AUSTRALIA

    youX maintains the largest lender panel in Australia, with over 90 lenders and growing. Giving you the best chance of finding the most suitable loan for your individual needs. And with such a large lender panel, it means you’ll never need to look anywhere else for your finance. Saving you time and hassle in the process.

    How does youX make money?

    PARTNERS PAY youX TO USE OUR PRODUCTS

    youX receives payment from its partners, for providing the use of the technology. Partners may also refer finance applications to the youXLodge Success Gurus, to handle the application process for them. In this instance Lodge would likely receive a commission for successfully handling customers on their partners’ behalf. This is all arranged between the lender and Lodge.

    How do lenders work out their rates?

    MANY FACTORS GO INTO DECIDING RATES

    Lenders look at many different variables, such as, the asset being purchased, housing status, previous loan defaults, employment stability, your credit score and more – to not only check for eligibility, but also the type of rates you might be able to access. While there are a number of factors, it’s important to try to keep a strong credit score to access the best finance products and rates.

    It’s also good to know that from lender to lender their customer preferences change, which is why it’s so important for us to have Australia’s largest lender panel. To give you the best chance of finding the most suitable funding.

    For OEM Manufacturers
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    Increase sales volumes and OEM lending finance penetration
    For Dealers
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    Increase your finance penetration
    For Lenders
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    Get more of the customers you want