top of page

Dealer Controlled Leasing to Deploy Scienaptic’s AI-Powered Credit Underwriting Platform

Incorporating AI into Strategic Roadmaps Of Credit Unions



Jan 23, 2024

Leading global AI-powered credit decision platform provider, Scienaptic AI, announced today that Dealer Controlled Leasing (DCL) has chosen its AI-based underwriting platform to automate and streamline credit decisions for dealers. This deployment will enable DCL to expand its turnkey solution for subprime leasing for both new and used car dealers, making car leasing options convenient and hassle-free.

DCL, an emerging FinTech company, is revolutionizing how dealers manage their leasing business by allowing dealers to take control of the lending process with DCL’s turnkey solution for subprime leasing. This innovative approach empowers dealers to dominate and effectively serve their market with a Win-Win-Win solution while creating a brand-new revenue opportunity at the dealership.

DCL’s comprehensive services extend beyond just a leasing solution, they offer the consumer the opportunity to improve their credit score with the use of a credit education coach whose knowledge and insights help transition a subprime borrower to a near-prime or even prime borrower within 18-24 months. Moreover, they provide a proprietary Lease Origination System (LOS) that integrates seamlessly with the Scienaptic platform. The integration with Scienaptic is set to elevate DCL’s platform to new heights. It will enhance their capabilities, enabling their expanding dealer base to gain deeper insights into their borrowers and streamline decision-making. This AI deployment positions DCL as a leader in the FinTech space, ready to redefine the future of leasing operations.

“DCL, envisioned and created by a dealer, is a platform uniquely designed for dealers who are eager to take charge of the lending process. Our collaboration with Scienaptic and their cutting-edge AI credit decisioning technology marks a significant stride in bolstering our ability to make smarter, more nuanced credit assessments,” stated Michael Sansone, DCL’s Director of Operations.

“This advancement is particularly crucial for reaching the underserved segments. By integrating Scienaptic's AI platform, we're not just improving our credit decision-making capabilities but will empower our dealer partners to scale their lending operations and approve more deals. We're grounded in the belief that everyone deserves a second chance, and with Scienaptic's AI, we're now even better equipped to support those with lower credit scores who are determined to rebuild their credit and move forward in life.”

“We are pleased to partner with DCL, equipping them with industry-leading AI,” said Pankaj Jain, President of Scienaptic. “With Scienaptic’s AI-powered credit decisioning platform, DCL clients will expand their leasing portfolio while tapping enhanced decision-making capabilities to minimize risk and offer better finance management.”

About Scienaptic AI

Scienaptic AI’s mission is to increase credit availability across the globe by transforming the technology used in credit decisioning. Credit unions, auto lenders, banks, and fintechs, use Scienaptic's AI native credit decisioning platform to continually improve the quality and speed of their underwriting decisions.

The platform enables FIs to reach more borrowers, including underbanked and underserved individuals, and say “yes” more often without increasing risk. It democratizes automated AI-powered lending while addressing all regulatory requirements, including Fair Lending and explainable adverse actions.

Scienaptic-enabled lenders have processed more than 300 million transactions, benefitting millions of borrowers. For more information, visit

More News
bottom of page