Auto lending
Plinth
Car finance signed in the showroom
- Sector
- Auto lending
- Location
- Jeddah, KSA
- Year
- 2025
- Kickoff to production
- 16 weeks
Point-of-sale auto finance that decides while the customer is still at the dealer's desk, with the affordability workings on screen.
An application left the showroom as a paper pack and came back two days later, by which time a third of buyers had financed elsewhere. Declines arrived with no reason attached, so a dealer could not fix a fixable file.
- 01
Decide at the desk
Income, existing obligations and vehicle valuation are verified against source data during the conversation, and a decision with terms comes back in under two minutes.
- 02
A decline you can act on
Every negative decision names the binding constraint and, where one exists, the deposit or term that would clear it.
- 03
One policy, every channel
Dealer, branch and app decide through the same versioned policy, so the answer no longer depends on where the customer walked in.
Approved deals now close in the showroom instead of after the weekend, and dealers stopped shopping the same customer to three financiers.
What changed
- Decision while waiting
- Showroom
- On every decline
- Stated reason
- Worked on the spot
- Affordability
Stack
- Python
- FastAPI
- Postgres
- Next.js
- Kafka
Disciplines applied
- AI solutions
- Financial technology
- Automation & operations
