Traditional F&I desks set your rate before you see it. Podium routes your deal to a verified network of specialty lenders — they compete, you choose. You arrive at the dealership to take delivery, not to negotiate.
Most buyers finance through a single source with a single rate. Podium gives you a network of specialized lenders competing for your deal — putting you in control.
Every lender quotes a buy rate. A traditional F&I desk adds a markup on top before you see the number. Industry reporting (CFPB indirect-auto studies; NADA F&I benchmarks) places that markup at 1.5–2.5 points on luxury and exotic paper, plus $3.5K–$6.5K in backend product gross per unit. We put lenders in competition, so the markup is squeezed out of the deal — not added to it.
Figures reflect industry averages. Your actual results depend on credit profile, term, and lender response.
Share the vehicle and a snapshot of your financial profile. No hard credit pull.
01Your profile goes to our verified lender network. Multiple lenders come back with structured, comparable offers.
02Select the offer that fits. Your financing is done before you step into a showroom — you arrive to take delivery, not to negotiate.
03Every lender was selected for their track record in exotic and luxury finance. When they compete for your deal, they know exactly what they're looking at.