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Open Lending

Open Lending was formed in 2000 in Austin, Texas to provide automated lending services to financial institutions. The company specializes in loan analytics, risk-based pricing, risk modeling and automated decision technology for automotive lenders throughout the United States. The company is privately owned.

Open Lending

Lenders Protection™ is a risk management program featuring default insurance coverage for near-prime and non-prime auto loans.

​The Lenders Protection™ program is a unique auto lending enablement platform that allows financial institutions and other auto lenders to model their specific overhead and funding costs and set a target ROA for their insured portfolio. The result is a profitable auto loan portfolio with carefully managed pricing and risk characteristics.

  • Earn higher yields with the assets you have
    Take advantage of the existing application flows already being processed and increase return on assets and profitability.
  • Significantly increase your vehicle lending volumes
    Provide more auto loans outside your normal prime lending guidelines and book more approved and conditioned loans.
  • Be up and running in weeks, not months
    Lenders Protection™ is fast and easy to implement in 45 days or less, with no implementation fees or set-up costs.
  • Sophisticated analytics, customizable for your lending institution
    As the lender, you control all credit decisions. Configure your own specific costs and desired ROA.
  • Fair lending compliant
    The Lenders Protection™ program offers improved underwriting rules that identify qualified applicants in the near-prime and non-prime risk categories. It also includes an enhanced underwriting and pricing engine that allows the lender to approve and price individual loans to fit the portfolio design and profitability targets.
  • Pre-packaged third-party auto loan default insurance offered by two “A” rated carriers
    High-quality default protection insurance allows you to mitigate, manage, and share risk effectively while still offering attractive rates.
  • Better service for borrowers
    Reduce down payment requirements to help borrowers avoid expensive “buy here, pay here” dealers.
  • Value-added benefits
    Improve auto dealer loan volumes and stronger relationships while expanding sales of auto loan related products (GAP waiver, warranty, insurance).
Open Lending

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Open Lending

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