Top Tech Trends to Watch in 2026

Top Tech Trends to Watch in Automotive Retail in 2026

Summary:
Discover the top automotive retail technology trends for 2026, including AI-powered tools and workflows, customer data platforms, omnichannel experiences, smarter inventory management, automated marketing, and connected dealership ecosystems. Learn how VinSolutions helps dealerships streamline operations, personalize customer interactions, and drive profitability. Stay ahead of industry changes and see what’s next for your business at NADA Show 2026.


Your Roadmap to Smarter Dealership Success 

Could 2026 be a year of total and complete transformation for your dealership? Dealers are navigating rising shopper expectations, tighter margins, and a fast-moving technology landscape—but there’s plenty of reason to be optimistic. Breakthroughs in AI-powered solutions are redefining how dealerships operate, creating new opportunities to streamline workflows, personalize the customer experience, and boost profitability. 

These trends aren’t just coming—they’re here. Want to see how AI can help you stay ahead? Join us at NADA Show 2026, where we’ll showcase the innovations shaping the future and share strategies to turn today’s challenges into tomorrow’s wins. 

Trend 1: AI Moves from Buzzword to Business Driver 

Artificial Intelligence is becoming the backbone of dealership operations. From predictive analytics that anticipate shopper behavior to automated tools and workflows that cut hours engaging and communicating with shoppers, AI is helping your team work smarter, not harder. 

The biggest advantage? Personalization at scale. AI-powered tools can craft hyper tailored communications and handle autonomously complex conversations based on real time data and deliver a seamless experience across every touchpointThe promise of AI has shifted from simple efficiency to a strategic enabler—delivering higher higher conversion rates, stronger customer loyalty, and more intelligent operations.  

Trend 2: Connected Workflows Drive Efficiency 

Fragmented systems slow dealers down—and in 2026, you can’t afford that. The future is all about connected workflows that bring your CRM, inventory, F&I, and digital retailing tools together in one seamless ecosystem. 

When data flows freely across platforms, teams spend less time re-entering information and more time focusing on customers. Integrated solutions reduce errors, accelerate deal completion, and give managers real-time visibility into performance. 

When your dealership runs like a well-oiled machine—delivering speed, transparency, and convenience—you win more deals and keep customers coming back. 

Trend 3: Customer Data Platforms Break Down Silos 

Fragmented systems and duplicate data entry slow down your dealership and create blind spots in the customer journey. In 2026, customer data platforms will connect your CRM, DMS, and marketing tools, giving you a single, real-time view of every shopper. 

With real-time shopper activity and automated alerts, your team can respond instantly to customer needs and opportunities as they happen. When data flows seamlessly across sales, service, and marketing, your teams stay in sync, your information stays accurate, and your staff is empowered to deliver a consistent, connected customer experience. 

Trend 4: Smarter Inventory Acquisition and Management 

Inventory shortages and slow acquisitions can mean missed sales and frustrated shoppers. In 2026, dealers can expect to use a smarter, integrated approach to vehicle acquisition that connects their CRM to technology capable of proactively identifying, creating, and managing acquisition leads—including street purchases independent of a sale. 

With these intelligent workflows, every customer interaction becomes a sourcing opportunity—even when the customer isn’t actively buying. Teams can track and manage acquisition leads just like sales leads, with real-time status updates and visibility across platforms. Service appointments can be integrated directly into acquisition workflows, enabling staff to engage service lane customers and acquire inventory with greater precision and speed. By leveraging advanced tools and integrated data, dealerships can make faster, more informed inventory decisions, reduce manual effort, and expand their reach to more ready-to-buy shoppers—future-proofing their business for the challenges ahead. 

As technology continues to evolve, dealerships that embrace integrated, data-driven solutions will be best positioned to overcome inventory challenges, streamline operations, and deliver a superior customer experience. The future of inventory management is proactive, connected, and designed to help dealers thrive in a rapidly changing market. 

Trend 5: Automated, Targeted Marketing Across Channels 

Inefficient campaigns and wasted spending are out; data-driven marketing is in. Automated marketing platforms you need to take advantage of use real-time, enriched data to target in-market shoppers with personalized offers—across email, text, video, and digital ads. 

Even if writing isn’t your team’s strong suit, automated marketing tools make it easy for anyone to reach out with authentic, personalized messaging that resonates with shoppers and drives results. With smarter marketing, you maximize visibility, boost engagement, and see measurable improvements with every campaign. 

Conclusion: Your Roadmap to Smarter Dealership Success with VinSolutions 

2026 marks a turning point for automotive retail. The trends shaping the industry—AI-powered workflows, customer data platforms, connected and automated marketing, and smarter inventory management—are already redefining how dealerships operate and compete. By embracing these innovations, dealers can move beyond business as usual to deliver seamless customer experiences, make data-driven decisions, and unlock new opportunities for growth. 

With VinSolutions, your dealership is equipped to streamline operations, personalize every customer interaction, and help you close more deals. By embracing the latest innovations in automotive retail technology, you can deliver seamless experiences, make smarter decisions, and position your business for long-term success in a rapidly evolving market. 

Ready to see what’s next?  

Join us at NADA Show 2026 to experience these innovations firsthand and discover how VinSolutions can help your dealership thrive in the new era of automotive retail. 

The AI Advantage: How Data-Driven Intelligence Is Transforming Automotive Retail 

By now you’ve probably heard how AI is all the rage in automotive retail. You’ve heard how it’s revolutionizing the way dealers sell and the way buyers want to buy. In fact, AI has become such a hot topic that it’s now a regular part of industry conversations—highlighting just how important this technology is.  

But there’s a reason for the hype—real business impact behind the buzz. According to recent Cox Automotive research, dealers who have fully adopted AI are seeing 50% higher revenue growth, efficiency gains, and profitability, compared to dealers who have only experimented with AI or are just getting started. 

The Window for ‘Wait and See’ is Closing Fast 

Despite all the buzz, three out of five dealers are just now starting to explore AI, and one out of four is still holding back, waiting for the right moment to engage with the technology, according to Cox Automotive research. 

Meanwhile, those dealers that have fully adopted AI continue to run circles around the competition. They’re finding gains in efficiency, revenue, and profitability that indecisive dealerships are leaving behind. 

That means the window for “wait and see” is closing fast with AI, and dealerships that fail to adopt won’t just miss out on the benefits of the latest trending technology, they risk losing market share as customers continue to demand change or find the AI-powered buying experiences they want elsewhere. 

AI Is Only as Good as the Data It Depends On 

Of course, AI isn’t perfect. And it’s not necessarily the end-all-be-all of dealership success and operational efficiency. That’s because AI depends on data. It learns from the inputs that you give it in order to deliver insights and buying experiences based on either quality or compromised information.  

“If you have a fragmented data set that’s latent or just plain wrong, you’re really not automating success, you’re kind of automating chaos across the customer base and your sales team,” said Chase Abbott, vice president of sales at Cox Automotive. 

In other words, data is critical to dealership outcomes. Up-to-the-minute, relevant data makes all the difference in delivering the right message and the right deal terms at the right time, in the way the customer needs and wants to see it. 

AI That Brings More Customers in the Store 

Most of the AI tools used in automotive retail today are pointed internally to sales and service reps to help them scan data, analyze reporting, and increase efficiency. And while this is an admirable use of new technology, AI can, and should, do so much more.  

For example, AI that’s based on quality data and derived from real shopper experiences delivers insights and buying signals that inform you which shoppers are most likely to buy a vehicle. It then drafts and delivers personalized messages to those shoppers to keep them progressing toward a purchase.  

Dealerships that are winning with AI aren’t just buying new tech. They’re using it to change the way they operate their businesses. They’re adopting AI as part of a new strategy that’s based on the insights and the opportunities it provides.  

The Time to Adopt AI is Now 

You may be tired of hearing about it, but AI is helping actual dealerships gain real market share, right now. The combination of the right data and the right AI technology can help you win customers, simplify workflows, improve processes, and stay competitive in a changing industry. 

Show Up with AI: Visibility, Authority, and the Shopper’s Choice

Show Up with AI: Visibility, Authority, and the Shopper’s Choice

Tessa Nadik, AVP of Product Management at Cox Automotive, joins Jade Terreberry to clarify the real impact of AI in automotive retail. Tessa explains what AI is—and isn’t—for dealers, highlighting how it streamlines workflows, enhances consumer experiences, and accelerates shifts in buyer behavior. She shares practical advice on building a strong data foundation, evaluating AI tools for true ROI, and why starting now is key to gaining a competitive edge. Tessa also introduces a six-step roadmap for AI success and emphasizes that progress, not perfection, will drive results for dealers and OEMs in 2026.

Guest Expert:
Tessa Nadik
AVP of Product Management
Cox Automotive

Top Takeaways:

  1. AI is a tool for removing friction, not a magic wand. Tessa emphasizes that AI’s real value lies in streamlining workflows and enhancing consumer experiences, rather than replacing people or solving every problem instantly.
  2. Clean, structured data is essential for AI success. Dealers must prioritize accurate, consistent, and up-to-date data—especially inventory and business details—to unlock the full potential of AI-driven strategies.
  3. Consumer behavior is shifting, but marketplaces and dealer websites remain critical. While shoppers increasingly use AI-powered tools for research, most still rely on trusted marketplaces and dealer sites to complete their journeys.
  4. Evaluate AI solutions for real ROI and integration. Tessa advises dealers to focus on tools that solve genuine operational challenges, integrate smoothly into workflows, and get smarter with data—rather than chasing every new tech trend.
  5. Progress beats perfection—start now. The dealers and OEMs who begin building momentum with AI today will gain a competitive edge in 2026. Tessa’s advice: don’t wait for perfect, just get started and learn as you go.

Timestamps: 

0:00 – 1:14 – Introduction

Jade Terreberry welcomes listeners, introduces Tessa Nadik, AVP of Product Management at Cox Automotive, and previews the discussion on AI’s role in automotive retail.

1:14 – 4:35 – What AI Is—and Isn’t

Tessa explains the fundamentals of AI, dispels common myths, and clarifies that AI is a tool for removing friction, not a replacement for people.

4:35 – 8:10 – Shifts in Consumer Behavior

The conversation explores how AI is accelerating changes in the car shopper journey, collapsing the research phase, and increasing the importance of digital touchpoints.

8:10 – 12:46 – Evaluating AI Tools and Measuring Success

Tessa shares practical advice for dealers on how to assess AI solutions, prioritize real ROI, and focus on metrics like time saved and visibility rather than vanity metrics.

12:46 – 16:58 – The Six-Step Roadmap for AI Success

Jade and Tessa discuss the critical first steps for dealers, including cleaning up data foundations and identifying operational challenges, and why now is the window of opportunity for early advantage.

16:58 – 20:17 – Optimizing for Visibility and Authority

Tessa offers actionable tips for dealers to improve their digital presence, leverage structured data, and ensure consistency across platforms for better AI-driven results.

20:17 – 21:50 – Final Advice: Progress Over Perfection

Tessa encourages dealers to start building momentum with AI now, focus on solving real problems, and partner with experts to drive results in 2026.

21:50 – 23:28 – Closing Thoughts

Jade wraps up the episode, thanks Tessa, and invites listeners to subscribe for future insights and industry updates.

Top Trends to Watch in Automotive Retail in 2026 

Top Tech Trends to Watch in Automotive Retail in 2026

Discover the top automotive retail trends for 2026 and learn how leading dealerships are leveraging AI-powered solutions, unified online and in-store workflows, and flexible payment options to drive higher profits and deliver a superior customer experience. This article explores how these trends help dealers streamline every step of the sales process, boost efficiency, and meet evolving shopper expectations. Ready to stay ahead of the curve? Book your NADA demo and see how Deal Central can transform your dealership’s digital retail strategy. 


2026 isn’t just another year—it’s a tipping point for automotive retail. Dealers are stepping into a landscape shaped by AI breakthroughs, unification and shoppers who expect more transparency and speed than ever before. The pace of change is accelerating, and those who embrace new technology and smarter workflows will be the ones closing deals faster, building lasting trust, and leading the market. 

From AI-powered retailing to the rise of omnichannel experiences, this year’s top trends aren’t just buzz—they’re the blueprint for dealership success. Here’s what’s driving the industry forward, and how you can get ahead. 

Ready to see Deal Central’s innovations? Book your NADA demo to get AI-powered results for your dealership, this February in Las Vegas (or now if you want a sneak peek). 

Trend 1: Unified Online & In-Store Dealmaking 

Dealers are facing a common challenge: fragmented workflows that slow down deals and frustrate both staff and shoppers. Looking ahead to 2026, the ability to unify online and in-store dealmaking won’t just be a competitive advantage—it’ll be essential for delivering the speed and transparency your customers expect. 

Your goal is to streamline every step of the sales process by connecting shoppers and sales professionals through AI-powered workflows. Whether a customer starts their journey online or in the showroom, dealerships can create a smoother, more seamless experience by empowering sales teams to structure and compare deals side by side, greet customers quickly, and initiate deals from a single screen. This unified approach eliminates bottlenecks, reduces manual entry, and keeps the focus on closing deals efficiently. 

In a market where every minute counts, unified dealmaking will be the foundation for dealership success in 2026. 

Trend 2: AI-Powered Insights for Smarter, More Efficient Deals 

AI-powered workflows are changing the way deals get done. Instead of relying on guesswork, dealers can tap into real-time insights — like buyer signals, financing preferences, and trade-in values—to create offers that feel personalized and fair. It’s a smarter, faster way to move from negotiation to agreement, and it builds trust by giving shoppers transparency without compromising profitability. 

The advantage lies in embedding intelligence directly into the sales process. When workflows combine dealer expertise with behavioral data from millions of shoppers, sales teams can structure smarter deals from a single screen, compare options instantly side-by-side from the same screen, and eliminate manual bottlenecks. The result is a streamlined experience that keeps negotiations efficient, reduces friction, and positions dealerships to deliver the speed and confidence today’s customers expect. 

Trend 3: Customer-First Experiences Take Center Stage 

In 2026, the most successful dealerships will be those that recognize customer experience as more than just a buzzword—it’s a strategic advantage. Today’s shoppers expect every step of their journey to be shaped by their needs, not just by technology. Dealers who thrive are those who empower buyers with control, support, and transparency at every touchpoint. 

The 2025 Cox Automotive Drivers of Car Shopping Satisfaction Study shows that satisfaction peaks when customers feel in control, whether they’re researching online, comparing deals, or finalizing paperwork. The ability to pick up where they left off, receive clear and personalized recommendations, and understand every aspect of their deal builds trust and confidence. Knowledgeable staff who guide buyers through complex steps, like trade-ins and financing, further reduce friction and uncertainty. 

Transparency is equally vital. When pricing, terms, and processes are clear from the first click to the final signature, shoppers are more likely to complete their purchase and return for future business. Dealers who proactively educate and support buyers—explain valuations, demystifying financing, and streamlining every interaction—see higher satisfaction, loyalty, and profitability. 

By focusing on control, support, education, and transparency, dealerships can create experiences that not only delight customers but also drive repeat business and long-term growth. 

Trend 4: Streamlined F&I and Desking Intelligence 

Finance and insurance workflows, along with desking processes, have traditionally been a total time-suck in the dealership experience—slowing down deals and adding complexity for both staff and shoppers. In 2026, the move toward intelligent automation is set to transform these critical steps. 

New advancements in F&I and desking solutions are leveraging real-time AI recommendations to guide deal structures and financing options. By reducing manual entry and recalculations, these kinds of tools enable teams to work more efficiently and accurately, minimizing errors and ensuring deals progress smoothly. Flexible payment options give dealerships the ability to tailor payment plans to meet a wide range of shopper needs. 

By adopting smarter, automated workflows, dealerships can eliminate unnecessary delays, enhance compliance, and deliver a consistently positive experience from start to finish. These innovations result in faster, more transparent processes that benefit both staff and customers—helping dealers close deals with greater confidence as the industry moves into 2026. 

Trend 5: Flexible Payment Options and Remote Document Management 

As shopper expectations continue to evolve, flexibility and convenience are becoming non-negotiable in automotive retail. Buyers want payment options that fit their budgets and lifestyles, and they expect the ability to manage documents remotely—whether they’re finalizing a deal from home or in the showroom. 

The “new normal” in 2026 will look like custom, adaptable payment plans tailored to individual customers. Dealers who deliver secure, remote access and completion of paperwork, so deals can move forward without unnecessary delays, will win repeat business. 

By meeting shoppers where they are—online or in-person—and providing flexible solutions, dealerships can remove friction from the buying process and deliver a more satisfying experience. These innovations not only help close deals faster but also build trust and loyalty in a competitive market. 

In Conclusion 

Dealership success in 2026 will be defined by adaptability, efficiency, and a relentless focus on customer experience. Dealers already leveraging Deal Central’s connected workflows are seeing up to 15% higher back-end profit, greater customer satisfaction, and a smoother path to “yes.” The trends shaping automotive retail—unified workflows, AI-powered decision-making, transparency, and flexibility—are already driving measurable results for dealers who embrace them. 

Ready to see these innovations in action? 

Book your NADA demo today and discover how Deal Central can help you close faster, delight every shopper, and achieve higher back-end profit. 

Stay Ahead This Season: Supercharge Your Acquisition Strategy with Offer Accelerator

Stay Ahead This Season: Supercharge Your Acquisition Strategy with Offer Accelerator - Presented by Instant Cash Offer

As Q4 and year-end approach, dealers face tight inventory and fast-changing market conditions. In this WardsAuto FastChat, Micah Tindor—Senior Director of Strategic Planning for Kelley Blue Book® Instant Cash Offer—shares actionable strategies to help your dealership thrive.

Discover how proactive acquisition can keep your lot stocked, boost conversion, and build consumer trust. Plus, learn how Offer Accelerator—the newest addition to Kelley Blue Book Instant Cash Offer—empowers you to source vehicles faster and stay flexible in a dynamic market.

Ready to get ahead? Watch the FastChat now and see how scalable solutions can supercharge your acquisition strategy.

How to Power Dealership Success with AI

Summary: As AI transforms the automotive industry, dealerships that embrace it will lead the way. From personalized marketing to automated workflows and data-driven insights, artificial intelligence helps dealers save time, boost profitability, and deliver the digital-first experience today’s car buyers expect. If you’re not leveraging AI yet, now is the time to start. 


As a car dealership owner, you know the industry is changing fast. The rise of artificial intelligence (AI) and automation isn’t just a buzzword, it’s a game-changer for how you attract customers, manage operations, and grow your bottom line. Here’s what you need to know to stay ahead. 

Why Dealership Owners Should Care About AI in the Automotive Industry 

AI and automation are transforming every part of the car business. From smarter inventory management to personalized marketing and faster deal processing, dealership AI solutions are helping owners like you: 

  • Save time and reduce manual work 
  • Improve customer satisfaction 
  • Boost sales and profitability 

If you’re not exploring AI for your dealership, you risk falling behind competitors who are already leveraging these tools. 

How Automation Delivers Real Results for Automotive Dealerships 

Today’s leading dealerships use automation to streamline repetitive tasks, minimize errors, and free up staff for high-value work. Examples include: 

  • Automated follow-ups with online leads 
  • AI-powered pricing and inventory recommendations 
  • Virtual assistants that answer shopper questions 24/7 
  • Digital paperwork and title processing 

With the right automation for automotive dealerships, you can deliver a seamless experience that keeps customers coming back. 

Data: The Secret Weapon for Dealership AI Solutions 

Your dealership generates a goldmine of data—website visits, sales leads, service records, and more. The most successful dealers use this data to: 

  • Predict which shoppers are ready to buy 
  • Personalize offers and communications 
  • Retarget potential buyers with the right message at the right time 

By harnessing first-party data and AI, you can make smarter decisions and maximize every sales opportunity. 

Meeting Modern Car Buyer Expectations 

Today’s customers expect a personalized, digital-first experience. AI for car dealers enables you to: 

  • Tailor website content and recommendations to each visitor 
  • Offer transparent pricing and trade-in values 
  • Provide instant answers through chatbots and virtual assistants 

Dealerships that embrace these tools build trust, win more business, and stand out from the competition. 

Key Questions for Dealership Owners Considering AI 

Before investing in dealership AI solutions, ask: 

  • Will this tool integrate with my current systems? 
  • Can it automate tasks without constant oversight? 
  • Does it provide actionable insights I can use right away? 
  • Will it help my team deliver a better customer experience? 

Choosing the right solutions ensures you get measurable ROI and stay ahead in a competitive market. 

The Bottom Line: Embrace Automotive Digital Transformation 

AI and automation aren’t just the future, they’re the present. Dealerships that act now will lead the market, drive efficiency, and deliver the experiences today’s car shoppers demand. 

Ready to see how AI can help your dealership succeed? Explore our latest resources or contact us for a personalized consultation on dealership AI solutions. 

Always‑On Engagement: How AI and CDPs Elevate Shopper Experience

Always‑On Engagement: How AI and CDPs Elevate Shopper Experience

Guest Expert:
Yuriy Demidko
Chief Information Officer
Fox Motors

Guest Expert: Yuriy Demidko, Chief Information Officer at Fox Motors, joins Jade Terreberry to demystify how AI and Customer Data Platforms (CDPs) are transforming automotive retail. Yuriy explains Fox Motors’ approach to multi-touch attribution, the importance of clean, enriched data, and how CDPs drive personalized engagement and operational efficiency. He shares real-world examples of AI improving lead response and customer experience, and offers practical advice for dealers on adopting new technology and preparing for the future.

Top Takeaways:

  1. Multi-touch attribution reveals the real buyer journey: Yuriy emphasizes that tracking every touchpoint—not just first or last click—helps dealers allocate marketing spend more effectively and avoid emotional decision-making.
  2. Clean, enriched data is essential for success: Fox Motors leverages CDPs to maintain data hygiene, deduplicate records, and build accurate customer profiles, enabling smarter personalization and operational efficiency.
  3. AI drives measurable improvements in engagement: By using AI to respond to internet leads after hours and analyze customer reviews, Fox Motors boosts customer satisfaction and uncovers new sales opportunities.
  4. Adoption starts with tackling micro friction points: Yuriy advises dealers to focus on solving specific operational challenges rather than overhauling entire processes, and to champion change with passionate leadership.
  5. Dealers must experiment and adapt to stay competitive: The key to future success is embracing technology, cleaning up data, and being willing to try, fail, and iterate—waiting risks falling irrecoverably behind.

Timestamps: 

0:00 – 1:42 – Introduction

Jade Terreberry welcomes listeners and introduces guest Yuriy Demidko, Chief Information Officer at Fox Motors, previewing the discussion on AI, CDPs, and attribution in automotive retail.

1:42 – 5:59 – Multi-Touch Attribution & Weighted Engagement

Yuriy explains Fox Motors’ approach to multi-touch attribution, the importance of tracking all consumer touchpoints, and how weighted engagement formulas guide smarter marketing spend.

5:59 – 9:14 – Data Hygiene & Customer Data Platforms

Discussion shifts to the role of CDPs in maintaining clean, enriched data, building accurate customer profiles, and unlocking new revenue opportunities through personalization.

9:14 – 16:32 – AI in Dealership Operations

Yuriy shares real-world examples of AI improving lead response after hours, analyzing customer reviews for actionable insights, and driving measurable improvements in customer experience and finance sales.

16:32 – 20:36 – Technology Adoption & Change Management

Yuriy offers advice on driving operational change, emphasizing the importance of tackling micro friction points, championing new technology, and building buy-in across the organization.

20:36 – 22:16 – Preparing for the Future

Final thoughts from Yuriy on the need for clean data, willingness to experiment, and embracing technology to stay competitive in 2026 and beyond.

22:16 – 24:09 – Closing Remarks

Jade wraps up the episode, encourages listeners to connect with Yuriy, and previews upcoming content for the podcast.

Reimagining Deal Rehashing: A Smarter Path to Loan Growth 

Featuring AVP/Lender Strategist Andy Mayers with insights from the latest Cox Automotive Research 

Deal Rehashing, Reimagined: A Smarter Way to Win More Loans 

In the current fast-paced and competitive auto retailing landscape, lenders face mounting pressure to deliver speed, flexibility, and efficiency for their dealer partners. This challenge intensifies when rehashing comes into play—a common, persistent by-product of deal making, especially in an era defined by affordability concerns. 

But just because rehashing has been around since the last century doesn’t mean the way it’s performed should stay stuck in the past. Technology and automation are transforming every corner of our industry. And as a pioneer in automotive retail technology, Cox Automotive has paved the way for a smarter, faster approach to rehashing and deal finalization. 

The New Way to Rehash Deals 

Alternative Deal Structures (ADS) reboots the traditional rehashing process. Instead of relying on phone calls or static grids of pre-approved alternative options returned with a credit application decision, ADS delivers a dynamic and automated experience that fast-tracks deal finalization, improves customer satisfaction, and streamlines dealer (and lender) workflows. 

With ADS, lenders can return up to 30 pre-approved alternative deal structures alongside their credit application decision. Dealers can then select a different structure—without having to manually update and resubmit the application. A simple checkbox triggers an automatic update, sending the revised deal back to the lender’s LOS with the new terms in place. 

This isn’t simply a tech upgrade, it’s workflow optimization. And, particularly for early adopters, it’s a competitive advantage. 

Why So Important — and Why Now 

Affordability remains a key factor in vehicle selection and financing. Helping dealers land consumers on a structure they can agree to—quickly and easily—is the hallmark of a strong lender partnership. According to Cox Automotive’s dealer relationship studies, lenders who offer this kind of flexibility and clear communication rise to the top of dealer consideration lists. 

ADS supports this by: 

  • Reducing time — and friction – in the deal making process. 
  • Enhancing dealer satisfaction, which can lead to increased lender preference. 
  • Enhancing buyer satisfaction by supporting dealers through sensitive credit conversations and faster deal finalization that improve their customer satisfaction scores  

And as more consumers shift toward online shopping and digital financing, ADS positions lenders to capture eCommerce-driven originations—a channel poised for continue growth. 

  

Lenders benefit from: 

  • Operational Efficiency: Automatic delivery of alternative structures that still meet a lender’s buying standards, along with automated deal updates and credit app synchronization, save analysts time and speed funding workflows  
  • Competitive Advantage: Early adopters gain favor by helping dealers close more deals, faster  
  • Making it easier for dealers to do business  favorably impacts look-to-book 

Let’s Partner to Keep Moving Our Industry Forward

Looking back on a long history of working with lenders and LOS providers to drive F&I transformation—taking the industry from faxed credit applications and paper contracts to fully digital workflows — today’s consumers can buy a vehicle 100% online. This modernized approach to Rehashing is simply another process improvement step in that evolution, enabling dealer partners to finalize more deals faster. And that’s simply good business for all. 

Let’s partner to deliver this much-improved experience that gets deals done fastest — and boosts your bottom line. 

Consult with a Cox Automotive Lender Solutions expert today

Deal Central: Navigating the AI Agent Era in Automotive Retail

Deal Central: Navigating the AI Agent Era in Automotive Retail

This infographic introduces Deal Central, Cox Automotive’s AI-powered deal-making technology, designed to transform the car buying experience for both consumers and dealerships. It highlights the growing influence of AI agents, which not only answer shopper questions but also take meaningful actions—such as scheduling test drives, initiating pre-approvals, and drafting outreach emails. The piece addresses the “Experience Gap” in digital retail, showing how most dealerships lag behind consumer expectations for seamless online-to-in-store journeys. Key statistics reveal that digital steps save time and boost satisfaction, with 65% of shoppers preferring to complete most steps online and 81% of digital buyers reporting high satisfaction. Deal Central empowers dealers to automate workflows, synchronize customer data, and deliver a frictionless experience, positioning them to thrive in the new era of AI-driven automotive retail.

Technology turns alternative deal structures into 21st century competitive advantage 

Today’s tech innovation and automation help you meet today’s market demands and grow originations.

0:05
And we’re back.


0:06
I’m Greg Payne, Marketing Manager with Cox Automotive and I’m joined yet again by my colleague Andy Mayors, AVP of Deal Track Lender Solutions.


0:15
So Andy, what we’re coming to do together to do today is actually discuss our next topic in the small Byte series, alternative deal structures.


0:22
Now in our last session, you did a great job of unpacking 2 AP is that enable consumers to find a monthly payment that they can live with and have their financing approved before they engage with a dealer.


0:33
So let’s keep that train moving to the next logical step in the process and facilitating deal finalization.


0:39
Now, why should lenders implement alternative deal structures?


0:42
Well, I think alternative deal structures is another example of driving efficiency and automation in the auto finance space.


0:49
And just to step back, alternative deal structures is the ability for a lending partner to send multiple approvals back to a dealer and or a consumer.


1:00
So then the event that a consumer wants to change their mind, they can do that without requiring another application coming back into the lender.


1:08
So think about it this way.


1:10
I go in and we use finance services, I use my payment services.


1:13
I calculated a deal at 60 months and then all of a sudden I decided, you know what, I want to change my mind.


1:19
Well, changing my mind means a new application in some cases, but alternative deal structures actually gives us the power to communicate back to the dealer and the consumer that if you change your mind from 60 months to 72, you can still be approved at this LTV and this rate.


1:36
So I think when you talk about alternative deal structures, you’re really talking about giving more capability for a consumer to change their be what they want, give more flexibility to dealers to restructure deals so they can generate more profitability.


1:50
So that’s why ADS or alternate deal structures are important.


1:53
As you mentioned, you know, we did a study and like 70% of our dealers told us it’s beneficial to have multiple approvals back from the same lender so they can restructure deal and maximize profitability.


2:04
From our lending perspective, you know, as we move to more automation drives efficiency, but it also opens up an opportunity for a lender to pack, perhaps get a deal that they might not have gotten before.


2:18
Because traditionally when a dealer submits an application for 60 months, you know, let’s say bank A says, OK, I’ll do 60 months at 9%.


2:26
Well, the dealer may say that’s not like the best rate I could get.


2:28
But if they also saw that they could do 72 months at a lower rate, they may say, you know what, that’s a good deal for me or I can, you know, put a little more money down South ADS or alternate deal structures is really important for helping the dealer and ultimately the consumer get faster decisions and eliminates the need for dealers to rehash with our lenders, cuts down costs and savings and allows lenders to potentially win more business than what they have today.


2:55
It’s, it’s important as our technology and our, our financing journey evolves more intelligence and what we can provide back to dealers and consumers.


3:05
ADS is a great example of that.


3:07
All righty.


3:08
Thanks, Andy for that.


3:08
Great explanation on alternative deal structures sounds once again like another straightforward improvement.


3:14
And that one sounds like one that every lender should be implementing as well.


3:18
It sure is.


3:19
I I really think that as our industry’s evolving Greg, that alternative deal structures is going to be table stakes.


3:26
As we’ve mentioned a couple times before, obviously it’s relatively new in the industry.


3:30
We’re still working with the loan origination system providers to have it more standard in their responses.


3:36
We actually have lenders that send something like ADS back today, but it’s in a very static text.


3:41
We want to make that more data-driven so we can use the data to help our customers.


3:46
But I, I definitely think that ADS is, is one of those things that we’ll look back in a few years from now and say this is where the industry needs to be from a financing perspective.


3:56
And it only once again helps with this financing journey and workflow of driving efficiency.


4:02
You know, first you structured the deal with a payment, then you actually got your approval.


4:07
Now you modified your deal again and you’ll get another approval back with ADS without requiring another deal to go back to you.


4:14
And then it helps take us to the next step, which is really the funding and you know, how you manage your steps and documents.


4:20
So we’ll talk about that soon, I’m sure.


4:22
Absolutely.


4:24
We’re really looking forward to that and our next discussion as we talk about structured steps.


4:28
And I know our lender partners are going to be looking forward to that one as well.


4:31
So thank you, Andy, for joining me again today.


4:34
And thanks to everyone in the listening audience for tuning in.


4:37
Join us next time for the next topic in our small bites discussion, Structure Steps.


4:41
Until next time, have a great day.