Auto financing software for
digital auto lenders

These figures represent the upper bound of typical outcomes our clients achieve after deploying HES LoanBox and GiniMachine across the auto lending lifecycle. Specific client results range from 50% to 85% on cost reduction, from 5× faster to sub-minute decisioning, and from 19% to 76% reduction in non-performing loans, depending on portfolio size, market, and existing process maturity. Every figure is supported by both documented HES client outcomes and independent industry research.

60% drop in operating costs. A Canadian lending client using HES LoanBox saved 12,500 worktime hours per year and processes applications 6× faster than before. Wa'ed (Saudi Aramco Entrepreneurship Center) cut decision-making time by 50% on the same platform. Industry research corroborates this range: McKinsey reports cost-per-origination reductions of 30–40% from digital credit transformation, Deloitte documents origination handling cost reductions of 30–40%, and Capgemini reports a reduction in manual steps of up to 70%.

90% quicker credit decisions. Idea Bank (Poland) processes loan applications 5× faster; Wa'ed delivers funds to a bank account within 5 minutes; CashU/Smart Finance auto-grants loans in under a minute; Tavan Bogd calculates loan limits in 2 minutes; Euro Groshi processes repeat-customer loan decisions in 5–10 minutes; Personalized Loans (Canada) cut time-to-Yes by 80% using GiniMachine scoring. Industry benchmarks confirm this range: McKinsey documents leading banks bringing time-to-yes down to 5 minutes and time-to-cash to under 24 hours, with 40% lower costs; an Automation Anywhere SBA case study documents a reduction from 3 weeks to 3 days.

40% fewer delinquent accounts. MobiCom (Mongolia) reduced NPL from 18.9% to 4.4% — a 4× decline — over 17 months using GiniMachine scoring. NEO Finance maintains 81.01% non-overdue loans and Zenziya keeps 80%+ debt repayment rates. McKinsey reports credit-loss reduction of 20–30% through earlier AI-driven detection, with monitoring costs down 30–40%. A FICO case study with a Romanian bank documents collections roll-rate improvements of 15% and loan department profit uplifts of 36%.

Results vary by deployment, market segment, and existing process maturity. Figures combine documented HES FinTech client outcomes and published research from McKinsey, Deloitte, Capgemini, FICO, and Automation Anywhere.

With HES LoanBox auto finance software, you can begin lending in as little as 3 months. To get started, simply reach out to our specialists and schedule a quick demo tour. Our sales manager will guide you through the software's features and pricing options, so you can select the plan that best suits your needs. Once you've chosen your plan, you can enjoy the benefits of HES LoanBox's auto lending solution.

HES FinTech's automotive finance software provides a range of benefits for lenders, dealerships, and consumers. Here are some key ways you can benefit from our solution:

• End-to-end lending workflow automation for saving your time and reducing the risk of errors;
• Seamless integrations with APIs and other services for limitless possibilities and scalability;
• Quick launch in 3 months for faster kickstart and ROI;
• AI-based functionality to streamline loan approvals, collections, and manage credit portfolios;
• Lifetime security updates even in a basic plan for keeping your data and reputation safe;
• Mobile and web apps built for omnichannel lending operations;
• Flexible customization possibilities to tune the system exactly to your needs.

Yes, HES's vehicle loan software platform can integrate with over 100 APIs and CMSs, making it easy to connect with other systems you use. Additionally, our software is highly customizable, so you can integrate the auto lending platform with your legacy system, migrate valuable data, or implement custom features with ease. With these integration capabilities, you can streamline your lending process and improve efficiency.

Our car loan software is designed with security in mind. It has earned an ISO 27001 certification, which verifies that it meets international security standards. To protect your business from breaches and money laundering, we use advanced technologies, KYC (Know Your Customer) procedures and secure cloud data storage. Thanks to the advanced technologies, you can trust that your company remains compliant and reputable.