One Platform for Every Deal You Work Across Every Credit Tier. More Lenders. Less Work.
OttoMoto® gives dealers a single place to manage every financing scenario. Whether you’re submitting a prime auto deal, a subprime borrower, an EV buyer, or a powersports loan, OttoMoto puts broad lender access and smart submission tools in one workflow.
No more re-entering the same information into five different portals. No more juggling passwords and duplicate entries. Just one login, one credit app, and the ability to reach lenders who want your deals.
Real Lender Options
OttoMoto gives dealers access to a broad network of lenders, including credit unions, regional specialists, and niche financing partners tailored for different credit profiles and asset types. You are not limited to one lender tier or one type of asset.
Submit a deal once, reach lenders across all credit tiers and vehicle types, without logging into multiple systems.
Resources That Transform Your Operations
OttoMoto is built to make it easier to work every deal, not just submit applications. These tools help you enter deals once, reduce back-and-forth, and keep things moving so you can focus on selling cars. The result is cleaner submissions, fewer delays, and more confidence from lenders without extra work on your end. Whether you’re new to the business or running an established store, these tools are designed to simplify your day and support more successful outcomes.
Reach More Lenders Without Re-Entering Deals
Dealers shouldn’t have to re-key the same application into multiple platforms to access different lenders. OttoMoto creates a unified workflow to submit once and connect broadly, eliminating re-keying.
Customer-Started Credit Application
Let buyers start their own credit application from your website or by scanning a QR code in the dealership.
Digital Deal Jacket
An FTC Safeguards Rule–compliant system that allows stips to be securely captured via mobile phone and sent by text or email for direct upload. Keep every document, verification, and update in one place so deals move faster and don’t get kicked back.
See Which Lenders Are a Good Fit Before You Send
See which deals match which lender programs automatically, so you can send deals to the right lenders and spend less time dealing with rejections.
Buyer ID & Vehicle Condition Checks
Catch issues before submission to avoid fraud, rehash, and funding delays.
Present F&I products as part of the deal
Present VSC, GAP, and other protection plans through a clear digital menu that fits into the deal flow and helps increase profit without slowing funding.
Virtual Inspections, Instant Valuations & CPO Inspection Integration
Take guided vehicle photos, get a fast condition-based value, and request a third-party inspection when certification is required.
Virtual F&I for Dealers at Every Stage
Whether you’re just starting or planning to grow your dealership, OttoMoto gives you a virtual F&I solution through DealFI® – designed to increase your capacity, improve your submissions, and grow your lender network.
OttoMoto and DealFI Explained
OttoMoto is the platform. DealFI is the finance solution connected to it.
Think of OttoMoto as your workflow hub and DealFI as your virtual finance office that supports funding and product presentation.
DealFI helps dealers increase profit per deal without adding extra systems or overhead.
Work More Deals at the Same Time
DealFI gives you additional F&I capacity without adding staff. Use it alongside your in-house team to keep deals moving when things get busy or when you want help working multiple deals in parallel.
Support Deals Across All Credit Tiers
From prime and near-prime to subprime, DealFI supports a wide range of lender programs so you can work more deals without changing your process based on credit score.
Include F&I Products Without Slowing the Deal
DealFI supports a range of VSC and warranty products, allowing you to include your preferred options as part of the deal flow while keeping funding on track.
Use It Your Way, Not One Way
DealFI works alongside your existing process. Use it for overflow, specific lender programs, or added support, without replacing your systems or changing how your team works.
Why This Matters for Your Bottom Line
Every deal is an opportunity to earn more than just front-end gross. DealFI helps you present F&I products as part of the deal flow so customers can review options clearly and decisions don’t slow funding down.
OttoMoto is more than software. It’s built to support how dealerships actually work day to day.
Designed to Support Real Dealer and Lender Relationships
Work with a broad range of lenders in one place, without managing multiple platforms or processes.
Built to Reduce Issues, Not Create Them
Keep deals clean, complete, and moving forward with tools that help avoid delays, rework, and unnecessary back-and-forth.
Easy to Use and Easy to Adopt
OttoMoto fits into your existing workflow, so your team can get up and running quickly without long setup times or complicated training.
Support That Stays With You
Get ongoing, hands-on support from a team that understands dealer workflows and helps you keep deals moving as your business grows.
Everything for the deal. In one place.
Our Digital Deal Jacket keeps all your deal information, documents, and updates together so nothing gets missed and deals don’t stall. It helps protect customer information, reduce back-and-forth, and make it easier for lenders to review and fund deals faster.
Fill out the form and download the free overview to see how the Digital Deal Jacket helps you:
- Keep documents, stips, and deal updates organized in one place
- Protect customer information without extra steps or manual work
- Submit cleaner, more complete deals that lenders can review faster
- Desk and submit deals without emailing documents back and forth
- Reduce delays caused by missing or outdated paperwork
