We Finance USA
Short-term loans that close the gaps on your deals
We Finance USA gives customers a fast path to cash for down payments, negative equity, deductibles, and other stuck-deal scenarios — through your white-labeled flow and multi-lender matching. High-intent shopper activation from Audience Activator is included to keep qualified traffic coming in.
- Down payment short · $4,200now
- Lender match · 2 offers back4m
- Negative equity bridge flagged11m
- Intent activation · in-market1h
Most stores lose buyers over cash timing, not willingness to pay. Deals die on down payment shortfalls, upside-down trades, thin credit files, and service deductibles — and there's no sanctioned way to cover the gap before the customer walks.
What We Finance USA does
Close the gap
Solve the reasons deals die — before you lose the customer.
Down payment & drive-off cash
Close buyers who are approved or close to it but short on cash today — turn "come back next week" into a funded deal while they're still on your lot.
Negative equity & trade payoffs
Bridge upside-down trades when rolling the full balance isn't workable. Give the customer a realistic path into the next vehicle.
After credit bumps & thin files
Recover deals that stall after the first lender pass — ITIN, self-employed, prior repo, or bankruptcy scenarios where a little liquidity changes the whole picture.
Service, collision & deductibles
Keep ROs and body jobs moving when the customer can't cover the deductible or the full repair today.
Platform
White-labeled borrower flows, lender matching, and included demand.
Short-term loan + finance center
The borrower experience, disclosures, and multi-lender matching — white-labeled for your store so short-term money and special finance live in one place.
Demand & qualification layer
High-intent shopper activation (Audience Activator), CRM/DMS reactivation, and AI-assisted pre-qualification so your team spends time on closable files.
No per-lead fees
Unlike sub-prime lead providers charging $20–50 per lead every month — we only participate when your team closes and funds a deal.
Borrower experience
Customers request funds on their phone in minutes.
Mobile-first, amount-first
A clean flow from $100–$35,000 — amount-first so the customer knows what they're asking for, built to finish on a small screen.
One application, multiple lenders
Multiple lenders compete for the file so you get a decision quickly and can move on to delivery paperwork.
Decline recovery
A second-chance path after the first auto lender says no — without sending them away.
From signal to action
Spot the gap
Down payment short, payoff too high, deductible, or a decline a small unsecured line could fix — route them into your branded short-term path.
Fast match
Customers complete a simple request; multiple lenders compete for the file for a quick decision.
Structure & close
Funds go where they need to for the deal; your F&I finishes the car deal while activation keeps feeding in-market shoppers.
Connected products
Audience Activator Intelligence
The intent data engine. Cleans, enriches, scores, and segments every signal — then activates it across ads, CRM, and products.
Learn moreSuper Pixel
Real-time journey tracking with credit, income, and asset enrichment — see who shoppers are before they submit a lead.
Learn moreBDC Copilot
The complete AI BDC — voice, chat, and text. We make the cold calls; your team only talks to buyers who said yes.
Learn moreWe Finance USA — common questions
Quick answers on how this capability fits your store and the wider platform.
What is We Finance USA?
We Finance USA is a short-term loan platform for dealers — down payment gaps, negative equity, thin credit files, and deductible scenarios — through a white-labeled borrower flow and multi-lender matching.
Is We Finance USA a per-lead product?
No per-lead fees like traditional sub-prime lead vendors. The model is aligned to funded deals — not charging monthly per lead regardless of outcome.
Does it include shopper demand?
Yes. High-intent shopper activation from Audience Activator is included so your finance team works closable files — not cold lists.
Own the Intelligence
Behind Every Deal.
Request a walkthrough or book time directly — see how Audience Activator AI unifies shopper intelligence, automation, and operations into one platform.
Request a demo
Tell us about your store and we'll follow up with a tailored walkthrough.
Book a call
Pick a time that works — we'll walk through the platform live.
Intent · Identity · Activation