PIN Navigator
Credit and Market Insight, Unified
Stay ahead of the market with credit-linked intelligence that moves as fast as your decisions. Credit and Transaction Insights (PIN Navigator) combines credit scores, vehicle sales data, and financial transactions into one real-time, unified view. Built on JD Power’s Power Information Network (PIN), it delivers precision analytics that lenders across the credit spectrum rely on—updated daily and available 24/7.
Lending Intelligence at Scale
• Combines credit, transaction, and pricing data into one unified view
• Tracks lender performance, share, and pricing across markets
• Integrates contract-level data across lenders, dealers, and vehicle segments
• Connects credit attributes with real-world transaction behavior
• Supports analysis across new, used, and certified vehicle markets
Smarter Lending, Lower Risk
• Enables faster lending decisions with integrated credit and market data
• Improves forecasting accuracy across pricing and finance strategies
• Strengthens benchmarking across lenders and competitive segments
• Reduces exposure with clearer visibility into risk and performance
• Aligns pricing strategies with real-world lending and approval trends
Key Features
Credit Data Integration
• Combines borrower credit attributes with transaction-level vehicle data
• Links financing terms to actual purchase and pricing behavior
• Integrates lender, dealer, and contract data into unified datasets
• Aligns credit profiles with vehicle segments and pricing tiers
• Structures lending data for consistent cross-market analysis
Benchmarking Engine
• Lender performance across markets, regions, and vehicle segments
• Pricing, terms, and approvals across competing lenders
• Competitive benchmarks across lending variables
• Lender activity by vehicle type, credit tier, and geography
Transaction-Level Analysis
• Captures detailed financing terms across vehicle transactions
• Breaks down deal structure including rates, terms, and approvals
• Aligns transaction data with vehicle attributes and buyer profiles
• Structures deal-level data across segments and timeframes
• Enables filtering across lenders, credit tiers, and vehicle categories
Who PIN Navigator Is Built For
Designed for the Teams Driving Lending Performance
Automotive finance lenders and captives, including teams focused on:
• Sales
• Marketing
• Pricing
• Risk
• Insurance
