Credit Qualification

Know who can buy
before you invest time

Credit scores, buying power, and intent signals — delivered instantly. Turn anonymous leads into qualified buyers with a single Equifax soft pull. No hard inquiry. No awkward conversation.

Powered by Equifax
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AVA™ Credit Portal - Sarah Thompson's credit profile
AVA™ Credit Portal - Sarah Thompson's credit profile

Watch how AVA™ qualifies leads

A 2-minute walkthrough of the credit qualification process, from lead capture to closed deal.

Qualification intelligence, built for the desk

Credit Intelligence

Real Equifax Data. Zero Score Impact.

Complete Credit Snapshot: accounts, trade lines, payment history, and credit inquiries, without touching your customer’s credit score. Your team sees the same data lenders see, not score estimates. This means you can qualify buyers accurately and structure deals with confidence from the first contact.

What This Means

Know if customers need co-signers, identify prime vs subprime buyers instantly, and avoid surprises when deals reach F&I.

AVA™ Credit Profile
AVA™ Co-Pilot

Credit Intelligence Wherever You Work

The AVA™ Co-Pilot browser extension lets your BDC agents, sales managers, and F&I teams access credit information directly from their browser. Works with any browser-based CRM, DMS, desking tool, or funding portal.

What This Means

Desk a deal with full credit context right in front of you. The right information, at the right moment, in the exact place you’re already working.

AVA™ Co-Pilot Credit Intelligence
Intent Signals

Instant Clarity on Every Credit Profile

Credit overview with score, payment history, debt utilization, and current obligations, plus detected insights that classify each lead as Prime, Subprime, Newcomer, or Negative Equity and route to the right team member.

What This Means

The moment a lead comes in, AVA™ identifies their profile: Newcomer, Subprime, Prime, or Negative Equity.

AVA™ Intent Signals

Lead Insights

Lead Insights

Prime Customer Detected

This customer qualifies for the most competitive financing options. They have the advantage of choice and can access exclusive programs.

Prime customer insight
Lead Insights

Newcomer Suspected

This applicant shows characteristics of being new to Canada. Special financing programs may be available to help them get into a vehicle.

Newcomer insight
Lead Insights

Negative Equity Detected

This customer's current vehicle has negative equity. AVA™ flags the gap amount so your team can structure the deal to account for the shortfall upfront.

Negative equity insight
Lead Insights

Subprime Opportunity

Customer has credit challenges requiring specialized subprime programs. Our guided process makes subprime deals simple, even for beginners.

Subprime insight

Everything you need to qualify buyers

Soft Credit Pull
Full Equifax bureau data without impacting the customer's credit score. Build trust from the start.
Buying Power Estimate
Calculate what the customer can realistically afford based on credit profile and debt obligations.
Intent Signals
Customers who pull their own credit show real buying intent. Prioritize accordingly.
Lead Scoring
Automatically score and prioritize leads based on creditworthiness and engagement signals.
Identity Verification
Government ID checks and biometric matching on every lead. Fraud protection built in.
CRM Integration
Credit profiles and lead data flow directly into your existing dealer management system.
Start qualifying smarter

See credit qualification in action

15 minutes. No pitch deck. Just a working demo of how AVA™ qualifies leads for your dealership.