Instant conditional approvals without the ping pong
Embed self-service instant conditional approvals on any website, any device, any surface. White-label. Compliant. Connected to your lender panel. No re-keying. No paperwork. No missed opportunities.
Customer-led journey, broker-led result. youXapply is your virtual 24/7 Business Manager — giving customers certainty and taking them off the market in under 1 minute.
Three Steps. One Minute.
Your customer gets a real answer — not a generic quote. No credit score impact. No waiting for a callback.
Real Quote
Customer enters their details and gets an instant conditional approval with personalised rates. No impact on their credit score. No obligation.
Instant Conditional Approval
Our lender matching engine connects the application to suitable lenders with 95% accuracy. The customer sees their result immediately — not tomorrow.
Apply to Lender
One tap to submit directly to the matched lender. No re-keying, no double handling. The fastest finance experience your customers have ever had.
Apply Fast.
Approve Faster.
This is your site, with youXapply embedded. Run a real quote and see your repayment in under 60 seconds — no impact on your credit file.
The Difference
More Than a Lead — A Real Approval
Every other platform hands you a validated lead. youXapply hands you an instant conditional approval — a real lender decision before the customer leaves your page.
What Others Give You
A Validated Lead
- —Contactable customer with verified details
- —Stated income, stated employment
- —No lender decision — still a cold pitch
- —Sales team has to qualify, structure, and submit
- —Customer free to keep shopping elsewhere
With youXapply
Instant Conditional Approval
- Real lender decision in under 60 seconds
- Actual rate, term, and weekly repayment shown
- Customer takes themselves off the market
- Direct submission — no re-keying, no double handling
- Soft credit check — no impact to customer's file
Physical Touchpoints
Turn Every Surface Into a Finance Opportunity
Transform your dealership into a connected ecosystem. QR codes on windscreens, swing tags, coffee tables, pull-up banners, and desk signage — directing customers straight into a finance or test-drive journey from anywhere on the floor.
Digital Touchpoints
Turn Every Click Into a Conversion Opportunity
Extend your reach beyond the showroom floor. Embed youXapply into websites, landing pages, social posts, and partner platforms — letting customers explore finance or book a test drive wherever they engage with your brand online.
Your Page, Our Tech
Your dedicated finance landing page, powered by Apply. Built to capture, qualify, and convert — directly from your website.
Embed Anywhere
Give customers the freedom to apply anytime, anywhere. A lightweight code snippet that works on any website, any CMS.
Ready-Made Templates
Choose a pre-built template — we'll configure and manage it for you. Live in minutes, not weeks.
Test Drive + Finance
Qualify Faster. Close Smarter.
Activate finance at the exact moment it matters. During a test drive, your customer is at peak intent — capture that moment with a seamless, compliant pre-qualification flow.
- Instant approvals & higher close rates
- Consistent process across all entry points
- Soft-touch credit checks with no impact on customer's credit file
- Verified contactable and pre-qualified leads
- Point of sale and NCCP compliant workflows
- No admin, no paperwork, no double handling
Lender Waterfall
API-connected lender panel. Prioritise preferred lenders, cascade on decline, overflow to broker. Every application finds a home.
- 1
Major Bank
Tier 1 — prime customers
- 2
Mid-Tier Lender
Near-prime cascade
- 3
Specialist Lender
Non-prime cascade
- 4
Broker Network
External or internal overflow
Drag to reorder — lead routing updates live.
Prioritise
Configure preferred lenders per store, brand, and campaign
Soft Touch
Credit checks that convert more sales without impacting the customer
Second String
Avoid decline fatigue and fit the right customer to the right lender first time.
Finance That Follows the Customer
Apply once. Get approved. Then browse vehicles and see personalised repayments everywhere — not generic rates. No re-keying. No guesswork. Finance travels with the customer across the platform.
Built for Every Partner
One engine. Four business models. Configured, not coded.
Dealerships
Single or multi-brand. Stock lookup and QR codes for showroom POS. Calculator on every vehicle page. Trade-in valuation. Test drive capture. Physical + digital touchpoints.
Turn every surface into finance
Brokerages
Multi-lender matching front and centre. Rate comparison. No brand step — the brokerage IS the brand. Mortgage referral for products you don't handle. Consumer, commercial, and novated.
Every lead qualified, every deal optimised
OEMs & Manufacturers
Branded finance journeys with live pricing, store locators, and dynamic disclaimers. Preferred lender first with cascade. Campaign-ready in hours, not weeks.
Configured for any OEM, any market
Marketplaces
Embed across listings, reviews, comparisons, and editorial content. Turn high-intent research traffic into qualified applications. A new revenue stream without operational overhead.
Plug & play finance for publishers
youX Insights
See What's Actually Working
Every application, every channel, every partner — tracked in real time. youX Insights turns your Apply data into intelligence you can act on.
Conversion by Source
See which touchpoints, campaigns, and partners are driving the most qualified applications — and where drop-off is costing you.
Volume vs Value
Understand how application volume converts into settled revenue. Track NAF, settlement trends, and portfolio-level performance over time.
Channel & Partner ROI
Compare performance across every channel and partner in your network. Invest in what works, fix what doesn't.
Lender match accuracy
To conditional approval
Self-service
Certified security
Key Features
Real Quote, Real Fast
Instant conditional approval with no impact on your customer's credit score. Personalised rates, not generic estimates. Certainty in under 60 seconds.
95% Lender Match Accuracy
Our matching engine connects applications to the right lender — first time. Preferred lender waterfall with automatic cascade on decline.
Direct Submission — Lender, Team or Broker
Send applications straight to a lender, your internal team, or a partner brokerage — your routing, your choice. No re-keying, no double handling. The fastest finance experience your customers have ever had.
True White Label
Your brand, your colours, your logo — light and dark mode. The widget looks and feels native on any website. Your customers never leave your experience.
Mobile-First, Anywhere
Built for the device in your customer's hand. Responsive, touch-optimised, with sticky navigation and fluid typography. Not a desktop form crammed onto a phone.
Quick Calculator
Live repayment estimates with advertised and comparison rates — before the customer commits. Trade-in valuation built in. The highest-converting entry point.
AI Lead Qualification
Every lead. Scoped. Qualified. No gaps. Our AI agent engages low-intent leads in real time and hands over to your Business Manager when they're finance-ready.
ISO Certified Security
Bank-grade encryption, soft-touch credit checks, full digital compliance and audit trail. Built for scale, security, and confidence.
Real-Time Analytics
Track volume, conversion, finance uptake, and drop-off — across every store, brand, and campaign. Data-driven decisions, not guesswork.
Book a demo with our team and discover how we can transform your business.