Lender Desk
Real-time lender data—everywhere you sell
Lender Desk is a multi-level API data service that unifies OEM bulletin offers, captive & independent lender rates, residuals, rebates, and EV incentives for both the U.S. and Canada. It powers accurate, compliant pricing and payments across research, shopping, desking, math boxes, and checkout experiences.
Core Strengths
One Source of Truth
• All lender programs, terms, and tiers—new, CPO, and used
• Hourly-updated OEM programs (APR, lease, cash, guaranteed cash)
• EV incentives (federal/state/utility) included in the same response
Business Impact
Offer, Close, Compete—Automatically
• Higher conversions: Shoppers see the best finance, lease, or cash offer instantly
• Frictionless checkout: Fundable, compliant math across all systems
• Always competitive: Hourly data refreshes prevent outdated pricing
• EV-ready: Integrates full rebate and incentive logic
Key Features
Fundable and Compliant
• Lease/loan/purchase preconfigured offers
• Comprehensive lender rules and fees data set
Built for Any Workflow
• Real-time and batch modes for scale
• VIN-specific incentive matching via VIN Descriptions
• Filters return only the data you need for each task
Accurate, Competitive Pricing Everywhere
• Unified lender and incentive logic powering all retail touchpoints
• Ensures consistent, compliant payments across digital and in-store systems
• Enables personalized payment experiences from SRPs to checkout
Who Lender Desk Is Built For
• Dealers & Dealer Groups (digital retail, desking, F&I)
• OEMs & Captives (program distribution, retail experiences)
• Retail Software Providers (websites, apps, calculators)
• Marketplaces & Portals (SRP/VDP payments)
• Supports U.S. and Canadian operations
