Pre-qualify buyers before the first serious conversation: Run a soft credit pull directly inside AutoRaptor, on your website or in-store, with no score impact. Results attach to the buyer's Up Sheet so your team knows who can buy and what they can afford before negotiations start.
Credit, Desking & F&I
From Credit App to Signed Contract, Without Ever Leaving AutoRaptor
Run soft and hard credit, submit to your lenders, compare real decisions, build the deal with a full-featured pencil — accurate taxes and fees included — present your F&I menu, and capture signatures. All natively inside AutoRaptor. Your buyers stay in your branded experience, and your team never logs into a separate portal.
See if AutoRaptor fits your dealership in 10 minutes.
Core Capabilities
Everything From Pre-Qualification to Signature, In One Place
Most dealerships run credit through a disconnected vendor, pencil deals in a separate tool, and chase signatures by email. AutoRaptor brings the entire deal — credit, desking, F&I, and contracting — inside the platform your team already uses, and inside the branded experience your buyers already trust.
Soft & Hard Credit Pulls, Native
Run a soft pull for pre-qualification — no impact to the buyer's credit score — or a full hard-pull credit application, both directly inside AutoRaptor. No separate credit vendor, no third-party page for your buyer.
Native Application & Real Lender Decisions
Complete a dynamic application that validates per lender, submit to your lenders without leaving the platform, and get decisions back inside AutoRaptor, normalized and laid out side by side so your F&I team can compare offers and pick the best one.
Full-Featured Deal Pencil
Build the deal forward from a vehicle or backward from a payment, adjust every variable, and see real-time payment impact. Accurate taxes and fees are calculated into every structure, so the numbers your team presents are the numbers that hold.
Your Full F&I Menu
Present your complete F&I menu — GAP, service contracts, tire-and-wheel, and other protection products — right in the deal, with each option's payment impact shown so customers can choose with confidence.
Native Contracting & e-Signature
Generate contracts, upload supporting documents, and send for signature from inside AutoRaptor — with multi-signer ordering, a branded signing page, in-person tablet signing, and automatic reminders.
Built Into the Deal, Not Bolted Onto It
Most dealerships run their deals across three or four different tools. AutoRaptor brings the entire process into one place — from the first credit check to the final signature.
Submit applications and get lender decisions without leaving AutoRaptor: A dynamic credit application validates before submission so nothing bounces back. Decisions return in a clean side-by-side view so your team can compare terms and select the right offer instantly.
Structure the deal the way your desk actually works: Calculate from a vehicle price or reverse from a target payment. Adjust term, APR, trade, and fees with payments updating in real time. What you pencil is what holds at contract.
Present your full F&I menu with payment impact: GAP, service contracts, tire-and-wheel, and all your protection products in a clean customer-facing menu that shows the payment impact of each.
Contract, sign, and close in your branded experience: Send documents for signature without leaving the platform, route to multiple signers, sign in person on a tablet, and track outstanding signatures at a glance. Every disclosure is timestamped and every credit action logged for a complete audit trail.
Compliance and audit built in: Required disclosures are presented and timestamped at every step. Every credit action is logged for a complete, auditable record.
One Flow, From Pre-Qual to Signature
From first conversation to signed deal. Your dedicated onboarding specialist connects your lenders, configures your tax and fee rules, loads your F&I products and disclosures, and sets up your document templates and signing experience — so your team is running the full deal inside AutoRaptor from day one.
Pre-qualify with a soft pull
On your website or in-store, run a soft pull with no impact to the buyer's score. The result lands on their Up Sheet so your team knows who's ready before they invest the time.
Submit the application and build the deal
Complete the native credit application, validate per lender, and submit. Decisions come back side by side. Pencil the deal with every variable in real time, accurate taxes and fees included, then present your full F&I menu with the payment impact of each product.
Contract & sign
Generate the contract, send for branded e-signature — multi-signer or in-person on a tablet — and AutoRaptor logs every disclosure, acceptance, and signature automatically.
Connected workflow
One connected workflow. Clear next steps for every team.
Soft + Hard
Both credit pull types, run natively inside AutoRaptor
Zero Impact
Soft-pull pre-qualification with no hit to the buyer's credit score
One Platform
Application, lender decisions, pencil, F&I menu, contracting, and signing — no separate portal to log into
Explore more AutoRaptor
Features that work even better together
If this feature fits how your dealership sells, these related tools can help your team connect the next step.
F&I
Move cleaner deal information from payment scenarios into your finance workflow.
See featureInventory Management
Connect vehicle data, pricing context, and customer interest inside AutoRaptor.
See featureDigital Retail
Let shoppers build payments online before your team continues the deal in-store.
See feature-
Built for Dealership Teams
AutoRaptor keeps the day-to-day sales workflow connected and visible.
See reviews
4.6/5
1200+ reviews -
Chad Randash
Randash Auto Center, Owner
“We looked at and tried out a few different CRMs, but AutoRaptor does a great job with its simplicity. It works well, and it’s an easy process.”
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Jon Higgins
Carmix Auto Sales
“We were immediately able to jump in and take advantage of what AutoRaptor had to offer. We didn’t look at any other CRMs because this one did everything we needed it to do.”
Questions About AutoRaptor Integrated Desking & Payment Penciling
Common questions about how credit, desking, and F&I works for dealerships.
Yes. You can run a soft pull for pre-qualification — with no impact to the buyer's credit score — or a full hard-pull credit application, both natively inside AutoRaptor. Soft pulls help your team qualify buyers early; hard pulls drive the full application and lender decisioning.
No. The entire experience — credit application, deal presentation, disclosures, contracting, and signing — happens inside AutoRaptor's branded experience. Your buyer never leaves your flow, and your team never logs into a separate credit or F&I portal.
Yes. AutoRaptor includes a full-featured deal pencil — structure forward from a vehicle or backward from a target payment, adjust every variable, and see payment impact in real time. Accurate taxes and fees are calculated into every structure, so the numbers your team presents are the numbers that hold at contract.
Yes. Present your complete F&I menu — GAP, vehicle service contracts, tire-and-wheel, and other protection products — right in the deal, with the payment impact of each option shown so customers can choose clearly and your F&I team drives product penetration without a separate tool.
You submit to your own lenders, and decisions come back into AutoRaptor normalized into a side-by-side view so your F&I team can compare offers and select the best one — without logging into a separate system.
AutoRaptor presents the required disclosures and stores each customer's acceptance with a timestamp, logs every credit action for a complete audit trail, and handles SSN and credit data to GLBA standards. As with any credit process, final regulatory compliance depends on your dealership's configuration and practices, so confirm your setup with your compliance team.
Yes. AutoRaptor includes native e-signature with multi-signer ordering (sequential or parallel), a signing page branded to your dealership, automatic and manual reminders, and a "Partially Signed" status so you always know what's outstanding. Customers can also sign in person on a tablet with "Sign Now." Every signed document includes an audit trail and an exportable compliance certificate, and you can start from a library of 12+ prebuilt, brandable templates.
Ready to Close Deals Faster?
Give your team soft and hard credit, real lender decisions, a full-featured pencil with accurate taxes and fees, your complete F&I menu, native contracting, and branded e-signature — all in one platform, with nothing handed off to a third party and nothing re-entered between steps.
Soft and hard pulls, native
Full pencil with accurate taxes and fees
Your F&I menu and contracts in one place
Nothing handed off
Resources
Learn More About F&I and Desking for Dealerships
How F&I and Desking supports dealership sales
Practical ways to keep sales work organized and visible.
AutoRaptor CRM workflows
See how connected CRM tools help independent dealers sell smarter.