Let’s face it: everything changed after the pandemic. The way we meet, shop, and engage with businesses has fundamentally shifted, and customers aren’t going back. In almost every industry, virtual experiences have become the norm. So here’s the big question: if customers are buying everything else online, why can’t they buy a car the same way?
Spoiler alert: They can. But only if dealers are ready to adapt.
The E-Commerce Standard Has Been Set
Today’s shoppers are conditioned by platforms like Amazon, Apple, and Airbnb. They browse, compare, customize, and “buy now” — all from their phones. The automotive industry, in contrast, is still clinging to outdated processes, especially when it comes to F&I.
But it doesn’t have to be this way.
Virtual F&I: The Next Evolution of Automotive Retail
At its core, Virtual F&I is not just software. It’s a smarter, human-first approach to selling cars that meets customers where they are, at home, online, or in the showroom.
Our platform reimagines the car buying journey, making it transparent, seamless, and flexible while empowering dealership staff to do more, faster.
Why Dealers Are Falling Behind
Most dealerships still treat online retail as an afterthought, offering little more than lead forms or vague pricing estimates. This creates friction, delays, and — ultimately — lost deals.
Yet customers are ready to buy online now. They want:
- Real-time pricing and inventory
- Accurate trade-in values
- Financing pre-approvals
- Transparent F&I product choices
- The ability to reserve, pay, and schedule delivery, without stepping into the dealership
So why hasn’t the car buying experience caught up?
Because legacy systems, disconnected workflows, and resistance to change make it messy. But it doesn’t have to stay that way.
The Solution: Virtual F&I
We built Virtual F&I to eliminate the roadblocks holding dealers back from digital retail success. Here’s how:
- Seamless Omnichannel Experience: Let customers start, pause, and complete their purchase anytime, anywhere. Whether it’s a Saturday night on the couch or a Monday morning in-store, the process picks up right where they left off.
- Proprietary Technology: We streamline every step of the F&I process, from deal structuring to lender submission, reducing paperwork, increasing speed, and eliminating redundancy.
- Customer-Centric Design: Customers build their own deals, evaluate trade-ins, place secure deposits, and select protection products, all in a transparent, easy-to-navigate environment.
- 100% Online, In-Store, or Hybrid Flexibility: Dealerships no longer need to be confined to a 10-mile radius. With Virtual F&I, your reach becomes global, adapting to customer preferences without disrupting your current workflow.
- Increased Dealer Productivity: Close more deals, faster. Our tools empower your team to serve more customers in less time, with less friction.
This Isn’t Just Technology, It’s a Mindset Shift
Customers are no longer asking for digital. They’re expecting it.
So the real question is: are you giving them what they want, or sending them to a competitor who will?
Virtual F&I brings e-commerce to the showroom, making the process of buying a car as intuitive as ordering a new phone — or yes, even a toaster. With features like real-time inventory browsing, credit application, trade-in evaluation, and AI-powered guidance, we’ve laid the groundwork for the future of car buying.
Why Dealers Choose Virtual F&I
- Transparency that builds trust and increases CSI scores
- Smart technology that adapts to your workflow
- Customer-first experiences that drive loyalty and satisfaction
- Profitable outcomes, faster closes, higher F&I product penetration, and increased revenue per deal
Our Mission
To redefine the car buying experience by eliminating inefficiencies, empowering dealers, and giving customers more control, while saving everyone time.
Because Virtual F&I isn’t just about buying cars online, it’s about making it better, for everyone.
