Pre-approvals without the ping pong
Embed self-service finance pre-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 finance pre-approval with personalised rates. No impact on their credit score. No obligation.
Instant Pre-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.
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.
- Same-day approvals & higher close rates
- Consistent process across dealer groups
- Soft-touch credit checks with zero impact
- Pre-qualified leads before the car moves
- 100% digital compliance & audit trail
- No admin, no paperwork, no double handling
Scan. Finance. Drive.
Peak-intent qualification during and after the test drive
Lender Waterfall
API-connected lender panel. Prioritise preferred lenders, cascade on decline, overflow to broker. Every application finds a home.
1st Preferred Lender
Primary match
2nd Preferred Lender
If criteria not met
3rd Preferred Lender
Secondary cascade
Broker Overflow
External or internal brokerage
Prioritise
Configure preferred lenders per store, brand, and campaign
Soft Touch
Credit checks that convert more sales without impacting the customer
Second String
Identify alternative deals fast — no application left behind
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.
Land Rover, Volkswagen, and more
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 pre-approval
Self-service
Certified security
Key Features
Real Quote, Real Fast
Instant finance pre-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-to-Lender Submission
Quick Apply sends applications straight to the lender. 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.