Cox Automotive’s Dealertrack Sets New Standard for Finance Efficiency and Digital Transformation in Auto Finance

ATLANTA, Jan. 23, 2026 /PRNewswire/ — Dealertrack, a Cox Automotive brand, is redefining the future of auto finance with a suite of new APIs, product enhancements, and industry-first integrations designed to help maximize contracting and funding efficiency for lenders and their dealer partners. As the auto retail industry faces increasing pressure to deliver seamless, omnichannel shopping experiences while reducing errors and mitigating fraud, Dealertrack is leading the charge to help remove friction points across the consumer buying journey and accelerate digital adoption – a key factor in driving customer satisfaction, according to the latest Cox Automotive Car Buyer Journey Study.

With 86% of auto finance contracts now eligible for digital submission, Dealertrack believes the time has come where all digitally submitted auto loan contracts may be funded without manual intervention (Source: Dealertrack Data 2025). Recent improvements to reduce fraud throughout the car-buying experience include earlier clearing of stipulations—especially regarding income—during the purchase process, and soon, the company will introduce real-time point-of-sale checks for all funding package documents, including vehicle service contracts.

“We led the automation of credit applications, and now Dealertrack is focused on helping lenders and dealers achieve the pinnacle of efficiency with auto-fundable contracts,” said Andy Mayers, lender solutions strategist, Cox Automotive. “Everyone wins when buyers spend less time at the dealership, dealers can close deals faster and more profitably, and lenders can reallocate resources spent manually reviewing contracts to other important business initiatives.”

Dealertrack possesses a unique and powerful combination of leading products and large-scale network of dealerships, aftermarket providers and lending partners giving them the ability to transform auto finance and deliver the results the industry requires.

New advances that drive digital transformation, helping to improve the car buyer’s journey while designed to deliver peak finance efficiency, include:

• Tools and enhancements that empower dealer partners to close deals fast — and lenders to fund fast — this reduces need for dealers and lenders to rehash alternative deal structures.

• Omnichannel Solutions – Dealertrack’s Contracting Services, now with a complete set of digital retailing API’s, enable anytime, anywhere purchase transactions. Partners can originate contracts on their platforms, assist in and ensure that deal data accurately flows across marketplaces and platforms. Buyers can now move from online to in-store or finish their purchase 100% online.

• Stipulation Management – Dealertrack now can automate the stipulation capture and clearing process for dealers and lenders. Coming later in 2026, Dealertrack’s Stipulation Capture, Stipulation Delivery, and its Income Verification will clear at point of sale.

• Aftermarket validation – Over 61% of contracts today include one or more aftermarket products that could require one of 250,000 different forms – a process desperately in need of streamlining. Dealertrack’s recent partnership with F&I Sentinel now gives dealers insights into their lending partners’ acceptance of and compliance of aftermarket forms. Soon they will add the capability to help validate all data on aftermarket forms to match the financing contracts.

• Leveraging AI – AI will help eliminate some of the manual reviews that lenders are performing today by analyzing and comparing all deal data and documents to ensure they meet lenders policies prior to submission for funding reducing the risk of returned contracts or delayed funding.

• Fighting Cost of Fraud – At a whopping $9 billion dollars in 2025, fraud costs top the list of auto finance challenges in 2026. According to Cox Automotive’s 2025 Car Buyer Journey Study, 91% of buyers complete some or all purchase steps online. Dealertrack provides tools designed to streamline key steps—from credit application to final signature—helping dealers deliver a smooth and secure digital experience.