Process trade-in quotes, refinance payoffs, and lease buyouts in under 2 minutes. Perfect for dealerships, credit unions, and auto finance companies.
Dealerships need instant payoff quotes for customer trade-ins. Process 20+ quotes per day without tying up F&I staff.
Borrowers shopping for better rates need accurate payoff amounts. Respond faster than competitors.
End-of-lease buyout quotes with residual value, remaining payments, and disposition fees.
Insurance companies need fast payoff amounts for totaled vehicles. Reduce claim processing time.
Input account number or VIN. Pull loan terms from your system or upload original loan document.
Remaining principal + per-diem interest + late fees + prepayment penalties (if any). 100% accurate, every time.
Professional payoff letter with good-through date and payment instructions. Email, print, or portal delivery.
Automatically calculate good-through dates with per-diem interest for trade-ins and refinances.
Search by VIN for quick account retrieval. Perfect for dealership F&I departments.
Automatically include outstanding late fees, NSF charges, and repossession costs.
Email payoffs directly to dealerships, borrowers, or insurance companies. Auto-save to file.
Track payoff volume by dealership, loan type, and reason. Identify refinance trends.
Connect to your dealer management system (RouteOne, DealerTrack, etc.) for seamless workflow.
Dealership calls for trade-in payoff
Staff takes message, finds loan file → 10 minutes
Look up current balance in servicing system
Login, search account, review payment history → 5 minutes
Calculate accrued interest manually
Spreadsheet math, check late fees → 10 minutes
Create payoff letter in Word
Type details, review, save PDF → 8 minutes
Email to dealership F&I manager
Find contact, compose email, attach PDF → 3 minutes
Total: 36 minutes per payoff
Dealership calls or submits online request
Staff opens PayoffAgent → 10 seconds
Enter account # or VIN
Type or paste account info → 5 seconds
AI pulls loan details & calculates
Automatic retrieval and calculation → 30 seconds
Review and approve payoff amount
Quick review of breakdown → 15 seconds
Auto-email professional payoff letter
Click send, done → 5 seconds
Total: 65 seconds per payoff
That's 33x faster!
Trade-ins, refinances, total loss claims
Average servicing staff cost
Complete loan servicing automation for credit unions with auto portfolios.
Learn More →Specialized tools for equipment leasing and financing companies.
Learn More →Handle any loan type with our flexible payoff calculation engine.
Learn More →Join auto lenders nationwide saving time and money with PayoffAgent.
No credit card required • Instant setup • Cancel anytime