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F&I & desking

Desk and finance every deal, with F&I tools built into the platform

Build each deal to the out-the-door number with automatic trade-in, tax, and fee math, structure the financing and F&I products, e-sign, and auto-fill the state forms. It all runs in the same DMS that runs your lot. No separate desking or F&I tool to wire up.

  • Out-the-door math
  • In-house e-sign
  • Auto-filled forms
app.autodealer.io/deals/finance
Per-tenant data isolation Encrypted customer data Full audit trail Set up in minutes
Desking

Build to the out-the-door number, every time

The desk works the deal in the right order (selling price, trade-in, fees, tax, title and registration) so the out-the-door total and the payment stay accurate and consistent. Taxing the wrong base is the most expensive desking mistake, so the engine handles the trade-in tax credit per your state.

  • Selling price → trade-in → doc fee → tax → title/reg → OTD
  • Trade-in sales-tax credit applied where the state allows it
  • Monthly payment from amount financed, term, and rate
  • Cash, finance, wholesale, and in-house deal types
Read: how to desk a car deal
app.autodealer.io/deals/finance
F&I & paperwork

Finance terms, products, and signatures in one flow

Set the financing terms, add the F&I products, and move straight to signing. In-house e-signature works in the store or over a remote link, and the state forms fill themselves from the deal you just built.

  • Finance terms + F&I products on the deal
  • In-house e-signature: in-store or remote link
  • State forms auto-filled from the deal
  • Co-buyers and trade-in carried through to delivery
app.autodealer.io/deals/sign
Compliance in the close

The checks run inside the deal, not after it

Compliance happens where the deal happens: OFAC sanctions screening, a Red Flags identity checklist, and FTC notices are part of the close, with a full audit log and document storage behind every step.

  • OFAC / SDN screening on the deal
  • Red Flags ID verification checklist
  • FTC notices captured at the right step
  • Full audit log + document storage
app.autodealer.io/deals/compliance
FAQ

Dealer F&I & desking software FAQ

What the F&I and desking tools do, and what they don’t.

What F&I and desking tools are included?

A guided deal flow desks the numbers and handles the F&I steps: selling price, trade-in (with the trade-in sales-tax credit where your state allows it), doc and government fees, sales tax, the out-the-door total, and the monthly payment. You also get finance terms, F&I products, in-house e-signature, and auto-filled state forms. The F&I tools are part of the platform, not a separate product.

Does it calculate the out-the-door (OTD) price?

Yes. The deal builds to the out-the-door number (selling price, trade-in, doc fee, sales tax on the correct taxable base, title and registration), then turns it into amount financed, term, and a monthly payment. The math runs as you desk, so you stop rebuilding it on a calculator.

Can it handle cash, finance, wholesale, and in-house deals?

Yes. The deal wizard handles cash, outside-financed, wholesale, and in-house (Buy Here Pay Here) deals, carrying co-buyers, the trade-in, and the finance terms through to delivery.

Does it e-sign documents and generate the forms?

Yes. In-house e-signature works in-store or with a remote signing link, and state forms are auto-filled from the deal so the paperwork is ready to sign. It is your own e-sign, with no separate signing vendor to pay.

Does it submit credit applications to lenders or pull credit bureaus?

No. AutoDealer.io structures the financing and the F&I products on the deal and produces the paperwork; it does not submit credit applications to a lender network or pull credit-bureau reports. Pair it with your own lender portals and credit provider.

Does it do in-house (BHPH) financing too?

Yes. If you carry your own paper, the in-house loan servicing (origination, amortization schedules, payments, and delinquency) lives in the same platform. See the Buy Here Pay Here software page for the details.

Get started

Desk cleaner deals, faster

Start your free trial: desking, F&I, e-sign, and the deal paperwork are part of the platform. No setup fees, cancel anytime.