Leasing & Financing: Sell More Vehicles with Flexible Options
Leasing and financing are decisive sales levers in the car trade. Over 60% of new cars and now a large proportion of used cars are financed or leased. AutoPult integrates a powerful leasing calculator, financing comparisons, and direct connections to partner banks – so you can sell more vehicles at better terms.
The Financing Workflow
Retrieve Rates
AutoPult retrieves current rates from your partner banks in real time. No more manual searching through rate lists.
Calculate Quote
The integrated leasing calculator computes individual quotes: term, down payment, mileage, and monthly rate – all flexibly adjustable.
Submit Application
Digital application process: customer identification, credit check, and contract completion – all within AutoPult, transmitted directly to the bank.
Close Contract
Sign the financing contract digitally – eIDAS compliant and legally valid. The customer signs conveniently on a tablet or smartphone.
Record Commission
Automatic commission statement for brokered financing. Assignment to the salesperson, transparent billing via the commission module.
Financing Options Compared
Classic Leasing
Monthly payment over a fixed term. At the end, the vehicle is returned. Ideal for commercial customers who want a new vehicle every 2–3 years and can deduct the payments as a business expense.
Loan Financing
Classic installment loan: the customer becomes the owner and pays in fixed installments. Flexible terms and early repayment possible. Particularly popular with private customers.
Balloon Financing
Low monthly payments thanks to a large final payment. At the end, the customer can pay the final amount, refinance, or return the vehicle. Attractive for price-sensitive customers.
3-Way Financing
Combination of down payment, low monthly installments, and a flexible final payment. At the end of the term, the customer has three options: pay off, refinance, or return.
Leasing vs. Loan Financing: The Comparison
| Criterion | Leasing | Loan Financing |
|---|---|---|
| Ownership | Vehicle belongs to the leasing company | Customer becomes the owner |
| Monthly payment | Generally lower | Higher (due to transfer of ownership) |
| Tax deductible | Yes, for businesses (payments as business expense) | Only interest and depreciation deductible |
| End of term | Return or purchase at residual value | Vehicle belongs to the customer |
| Mileage limit | Yes, excess mileage costs extra | No restriction |
| Ideal for | Commercial customers, frequent vehicle changes | Private customers, long-term use |
Bank Connections & Commission Statements
AutoPult connects directly with leading auto banks and financing partners:
- Direct APIs to leading auto banks
- Real-time rate queries – no more manual rate searching
- Digital application process: customer identification, credit check, contract completion
- Automatic commission statements for brokered financing
- Status tracking of all open financing applications
Leasing Calculator on Your Website
The leasing calculator is automatically displayed on every vehicle detail page of your dealership website and integrated into multi-listing ads. Visitors can adjust parameters themselves and immediately see a realistic monthly rate. This significantly lowers the barrier to inquiry – dealers report up to 35% more inquiries.
Contract Management for Leasing & Financing
From quote to contract completion – AutoPult digitizes the entire financing process:
Quote Creation
Create professional financing quotes with one click. AutoPult automatically fills in all vehicle data and calculates rates based on current bank terms. The customer receives a PDF with all details.
Digital Signature
Financing contracts can be signed digitally – GDPR compliant and legally valid. The customer receives the contract via email and signs conveniently on their smartphone or tablet.
Contract Archive
All financing contracts are archived in GoBD-compliant format in the DMS. Terms, rates, and remaining balances are accessible at any time. For lease returns, the condition is documented.
Commission Statements
Every brokered financing earns a commission. AutoPult automatically calculates the commission based on the bank terms and assigns it to the responsible salesperson. Transparent and traceable.
Activate Leasing & Financing Now
Leasing calculator, bank connections, and digital contract management – sell more vehicles, achieve higher margins.
The leasing calculator in AutoPult computes individual quotes based on the current rates of your partner banks…
Integrated Leasing Calculator in Detail
The leasing calculator in AutoPult computes individual quotes based on the current rates of your partner banks. Customers and salespeople can flexibly adjust the parameters: term from 12 to 60 months, variable special payment, annual mileage from 10,000 to 40,000 kilometers. The residual value is automatically calculated based on DAT/Schwacke forecasts. The monthly rate updates in real time with every parameter change – both for the salesperson in the backend and for the customer on the website.
For used cars, AutoPult automatically adjusts the terms: older vehicles receive adjusted interest rates and shorter maximum terms. For vehicles with high mileage, the residual value is calculated conservatively to minimize residual value risks. The leasing calculator also supports GAP insurance: if the vehicle is stolen or totaled during the term, GAP insurance covers the difference between the insurance payout and the outstanding lease obligation. AutoPult integrates this option directly into the quote.
Lease Return & Follow-Up Business
At the end of the lease term, a great opportunity presents itself: the returned vehicle can be taken into your used car inventory, and the customer needs a new vehicle. AutoPult supports the entire return process: condition protocol with photo documentation, damage calculation per leasing guidelines, residual value comparison with current market value, and seamless transfer to vehicle management. At the same time, a follow-up financing is automatically prepared in the CRM – turning the return into a sales opportunity for the next vehicle.