Measured Impact
30-60
bps portfolio yield improvement
63%
fewer manual overrides on pricing
28%
higher win rate on strong deals
100%
fair lending compliance alignment
Your rate sheet treats every deal the same. The market doesn't.
Rate matrices were built for a slower world. LendSmart Auto uses machine learning to price every auto loan based on the actual borrower, the actual vehicle, and the actual market. Not the grid average.
The pricing gap
Every deal in your portfolio has a story.
Your rate sheet tells the same one.
Rate Sheet Pricing
One rate for everyone in the tier
Deal
LendSmart Pricing
Each deal priced on its own risk
9.75%
A
Strong collateral
7.90%
9.75%
B
High recovery
8.40%
9.75%
C
Moderate risk
9.50%
9.75%
D
Steep depreciation
10.80%
9.75%
E
Weak collateral
11.50%
All S4. Same rate. Done.
Same tier. Five different prices. Each one justified.
Precision pricing in action
Same credit score. Same risk tier.
Completely different economics.
Both borrowers land in S4. Both get 72-month terms.
Your rate sheet gives them the same rate. LendSmart doesn't.
2023 Toyota Camry LE
Score: 624 | Grade: S4 | 28K miles | 95% LTV
-
Stable depreciation at -8.2%/year
-
Strong resale demand, top 15% nationally
-
High auction recovery at 72%
-
Predictable maintenance profile
-
Low regional supply, high demand
9.75%
→
8.40%
LendSmart Rate
-135 bps / Win a deal rate sheets lose
2019 BMW 328i
Score: 621 | Grade: S4 | 61K miles | 112% LTV
-
Steep depreciation at -18.5%/year
-
Soft regional demand, bottom quartile
-
Low auction recovery at 41%
-
High maintenance cost exposure
-
LTV exceeds collateral value
9.75%
→
11.50%
LendSmart Rate
+175 bps / Margin protection where risk demands it
LendSmart gives us the precision to reward strong collateral and responsible borrowers with better pricing, while making sure we’re protected where real risk exists.
Chief Lending Officer at 4Front Credit Union
What LendSmart Sees
Rate sheets group thousands of unique deals into a handful of buckets.
LendSmart prices each deal individually.
Collateral Intelligence
Real-time residual value projections at the make, model, year, trim, and mileage level via Black Book integration. Not generic book values.
Default & Prepayment Modeling
Probability of default, expected loss, and prepayment risk calculated for this specific borrower and deal structure. Not the tier average.
Recovery Estimation
Projected auction recovery based on vehicle depreciation curves, regional demand, and market supply. Priced into every rate.
Fair Lending Built In
Every pricing decision runs through fair lending checks before it reaches your loan officer. Compliance is not an afterthought.
Your Economics, Your Rules
Cost of funds, servicing cost by tier, target ROA, pricing caps, dealer commissions. Every parameter is yours to configure and defend.
Adaptive Feedback Loop
Models recalibrate as loans perform. Collateral values refresh dynamically. Pricing stays aligned with reality as markets shift.
Four steps. Real-time. Every deal.
LendSmart runs inside your existing Scienaptic platform.
1.
Project Residual Value
Make, model, year, trim, mileage, regional demand, depreciation curves, and OEM incentives analyzed in real time via Black Book.
2.
Overlay Your Constraints
Risk appetite, return hurdles, pricing caps, fair lending limits, operating expenses, and dealer commissions. Your rules, not ours.
3.
Optimize the Decision
PD, EAD, LGD combined with live rate curves. Balances your target ROA with competitive positioning. Recommends optimal rate and term.
4.
Monitor & Adapt
Tracks actual vs. forecasted performance. Learns from every booked loan. Refines pricing curves automatically over time.
LendSmart Auto is Scienaptic's AI-powered auto loan pricing engine. It prices every deal individually based on borrower risk, vehicle collateral, and market conditions, rather than using static rate matrices. It runs inside the Scienaptic platform alongside your underwriting models.
It augments them. LendSmart uses your existing economics as the foundation. Cost of funds, target ROA, servicing costs, and all your constraints are configurable. The engine optimizes within your boundaries, not outside them. Your portfolio average stays within 20 bps of your current rate sheet.
Every pricing decision runs through fair lending checks before it reaches your loan officer. Rate recommendations include full adverse action reason codes and disparate impact analysis. 100% compliance alignment out of the box.
LendSmart integrates Black Book data at the VIN level for residual value projections. This includes make, model, year, trim, mileage, regional supply and demand, depreciation curves, OEM incentives, and historical auction data. Accuracy is 95%+ on residual values.
Yes. LendSmart Auto works as a standalone product for credit unions that already have underwriting in place. It also integrates seamlessly with Scienaptic's credit decisioning platform for credit unions that want the full lending equation in one system.
LendSmart deploys in 6-8 weeks. Your account lead works with your team to configure parameters, validate pricing outputs against your portfolio, and go live with full support. No disruption to existing workflows.
Questions, answered
See LendSmart Auto price a deal from your portfolio
Get a custom walkthrough using your actual loan data. We'll show you exactly where margin is leaking and how deal-level pricing captures it.
API-first
6-8 week deployment
Built for compliance
Same-platform integration