Auto loan leads are credit applications sold to one dealership at a time, and the shopper often has bruised credit.

What auto loan lead companies sell

What the 20 companies in our auto loan directory say they offer, read from their own websites.

Counts cover everything each company says it sells, which can include other verticals.

Exclusive real-time leads are the core product: 15 of the 20 companies sell real-time leads and 13 sell exclusive ones, while shared, semi-exclusive and aged leads are each offered by three. Several also sell inbound calls or live transfers, and some sell booked appointments, which need separate call tracking because Juiced distributes web leads.

What auto loan leads are screened for

Auto loan sellers screen for a shopper a dealer's lenders can approve, so the checks read like a loan officer's, not a marketer's.

• Credit tier. Eight companies focus on subprime, special finance or bad credit shoppers. One records a self-described credit profile, and one targets by a lender's approval profile.
• Income and job. Several sellers screen on monthly income and let dealers set a minimum, and a few capture time on the job. One collects proof of income documents for some of its leads.
• Purchase, not refinance. One seller sells only car, truck or SUV purchases and credits refinance requests as returns, and one network takes auto and car title loans, so name the loan types you sell.
• Vehicle and inventory. A few sellers let dealers filter by vehicle type, model or inventory. One vehicle builder only accepts real configurations.
• Recent bankruptcy. Here a bankruptcy lead means a car buyer with a recent bankruptcy. One seller cross-references those shoppers against official bankruptcy records.
• A real, new applicant. Several sellers say a call center verifies their leads or spot checks that the shopper is actively looking. One affiliate program accepts only a name, email and phone it has not received before, and one exchange monitors for bots, proxy IPs and duplicates.

What an auto loan lead has to carry

Dealers buy territory first: several sellers target by ZIP code or radius from the dealership, then by minimum income, and a few by vehicle type, credit tier, years of employment or lender approval profile. A few say price depends on the territory and filters chosen.

Every lead type in Juiced starts with ten default fields. Add your own on top, and decide for each one whether it is required and whether the buyer receives it.

The auto loan fields

Field names and answer options checked against 6 public lead forms, form templates and posting specs in this market, October 2026.

Every lead starts with these

Provenance

This page does not state what the rules on consent require. They are published by the FCC and the FTC, and TCPAWorld tracks how they change. The full list of field types is on the lead fields page.

What you need to decide on a lead is not what you need to sell it

Every field carries four switches rather than one required flag.

Ping with zip, state, monthly_income, employment_status, housing_status, credit_profile and loan_type. That lets a dealer or lender check area and borrower fit without seeing contact details before the bid.

One lead, one dealership, priced by territory

The standard promise is exclusivity by store. Five companies say each lead goes to a single dealership, one adds individual salespeople, and they stress it is never resold, shared or recycled. Only three sell semi-exclusive leads, and each says how many other companies receive one.

Because the lead is exclusive, the area is the product. A few sellers price by territory and filters, two check a dealer's territory at signup, and one publishes a lead volume map by area. Read the agreement as well as the homepage: one seller's homepage promises fully exclusive leads while its pricing page sells exclusivity as an add-on.

In Juiced each lead still goes to one buyer, the highest bidder, so overlapping dealers compete for an area lead by lead instead of one locking it at a flat price. Leads from areas no dealer covers go to your marketplace.

How dealers start and what they commit

Buying is sales led. Eight of the 20 have the dealer talk with a rep or book an appointment, two check the territory first, and only one offers a test batch. Funding terms are rarely published: two mention a prepaid or funded account and one a card on file, while 8 say there is no long-term contract.

Pricing is mostly per lead (11 companies), with custom quotes at 7. A few list per sale or revenue share models. One seller's terms say there are no returns or refunds and that unused credits expire after a set period, so dealers have reason to ask.

Ask for a funded balance regardless, with no free sample leads and no promised count by a date. In Juiced the dealer funds a wallet before leads arrive and is charged as each lead is delivered.

Returns follow the filters the dealer agreed

Seven companies mention returns or replacements. The most detailed policy credits a lead returned within a set window for a disconnected phone or unreachable applicant, a refinance request, a duplicate, a ZIP code outside the agreed area, a vehicle that is not a car, truck or SUV, or income below the agreed minimum. Another replaces wrong numbers, duplicates and leads outside the buyer's filters.

Others are vaguer: refunded to account, a replacement policy, an easy return process, or a terms page that points to a return policy that could not be found. Write yours so each return reason ties to a field the dealer filtered on, and the dispute is about data rather than whether the shopper bought.

• Decide before the first lead whether refinance requests and out-of-area ZIP codes are returnable.
• Go through the policy on the first call, because dealers will blame the leads.
• In Juiced, approved returns are credited back to the dealer's wallet.

The supply side: marketplaces that buy applications

Half the directory buys from someone else. A few consumer loan marketplaces take applications and pass them to lender networks, and alongside them affiliate networks, ping post connections, storefront templates and hosted application forms let publishers send traffic. One exchange says it uses a price-reject model rather than a static ping tree with a single bid.

Payouts are per valid lead, per qualified lead, flat CPA, revenue share or tiered, paid weekly at two programs and monthly at two, with two holding balances until a minimum is reached and one paying a referral once per product within a set period. Rules are strict: apply and pass a site review, use only their creative, promote on your own site or opt-in email, no pop-ups before their page, and confirmed fraud means permanent removal at one network.

If you buy from publishers yourself, keep a source sub ID on every lead. One program's FAQ answers how many sub IDs you can use, which tells you buyers expect them.

How Juiced runs an auto loan lead business

1. Buyers fund a wallet

   Each buyer adds funds before leads arrive and is charged as each lead is delivered. Approved returns are credited back to the wallet. No invoices to send and no payments to chase.

2. Buyers set filters and caps, then bid

   Each buyer filters on your fields and caps how many leads they take. They bid above your minimum, and the highest bid wins the lead in seconds.

3. Delivery goes where the buyer works

   By webhook into the buyer’s CRM, by email or by text.

4. Unsold leads go to your marketplace

   A lead no buyer takes is not dropped. It goes to your own marketplace, where its price falls until someone buys it outright or a standing buy order picks it up.

Related

• Auto loan lead buyers and sellers: every company in this market, checked against its own website
• How to sell auto loan leads: who buys, what to screen for and the order to build in
• Lending and financial lead distribution: the wider vertical

Frequently asked