appTRAKER’s Virtual Underwriter
autoBOUGHT is appTRAKER's virtual underwriter, extending lender-controlled automated decisioning directly into Dealer Portal.
Dealers can receive decisions, revise deal structures, and rehash transactions without waiting for a lender employee to manually work every change. Behind the scenes, autoBOUGHT applies your configured credit rules, pricing, structure requirements, tolerances, scorecards, and decisioning logic.
The result is faster dealer response, greater self-service, more consistent decisions, and an underwriting team that can focus on applications where human judgment adds the most value.
It can be a great fit for:
24/7 Decisioning Under Lender-Defined Policy
autoBOUGHT evaluates eligible applications, revisions and rehash requests whenever the configured decisioning service is available — 24/7/365 — so dealers can keep transactions moving.
Partner intelligence enhances the automation. It does not replace your credit policy, business rules, or human oversight. You remain in control of how each score or model participates in the decision.
Automate what is predictable. Escalate what deserves judgment.
Automation Under Lender Control
autoBOUGHT automates repeatable decisions and routes defined exceptions to underwriters. The lender determines where automation begins and where it ends.
The objective is not to eliminate underwriters. It is to stop requiring an underwriter for every transaction your credit policy already knows how to handle.
Extend Dealer Decisioning and Rehash
Dealers can revise eligible structures — vehicle, down payment, term and other permitted changes — and receive applicable responses through the connected dealer experience.
autoBOUGHT extends lender-controlled decisioning into Dealer Portal so authorized dealers can work within the boundaries you establish. Dealers can:
The dealer gains self-service. The lender keeps control.
From Application to Decision
autoBOUGHT fits directly into the indirect loan origination process.
The application enters appTRAKER
Applications can originate through Dealer Portal or other supported origination channels.
Relevant information is gathered
Application, credit, collateral, transaction, scorecard, and other configured information can participate in decisioning.
Lender rules are applied
appTRAKER evaluates the transaction using your configured rules, calculations, requirements, scores, and tolerances.
autoBOUGHT produces the configured outcome
The transaction can be approved, declined, or referred for lender review according to your decisioning strategy.
The dealer can work the deal
When permitted, the dealer can modify the vehicle or transaction structure and immediately re-evaluate the transaction.
Exceptions return to the lender
Applications outside automated parameters remain available for traditional underwriting and review.
The result is a decisioning process that can move quickly without disconnecting automation from lender policy.
Why Choose autoBOUGHT?
autoBOUGHT + autoBUILT: Decisioning Meets Deal Structuring
autoBOUGHT becomes even more powerful when paired with autoBUILT, appTRAKER's automated deal-structuring capability.
autoBOUGHT determines whether a transaction satisfies your configured decisioning requirements. autoBUILT can help identify a loan structure that fits lender-defined parameters using applicable application, credit, collateral, and transaction information.
Together, they can give dealers greater ability to work a transaction through Dealer Portal while remaining within lender-established boundaries. Instead of simply receiving a response to one proposed structure, the workflow can help move the transaction toward a structure the lender is prepared to consider.
autoBOUGHT + Dealer Portal + appTRAKER
The three work together as one indirect lending workflow.
Dealer Portal connects the dealer. autoBOUGHT delivers the decision. appTRAKER manages the lending process.
Accelerate Repeatable Dealer Decisions
Some applications require judgment. Some require an exception. Some deserve a closer look. And some simply need your existing credit policy, decisioning rules, and risk intelligence applied consistently and immediately.
autoBOUGHT helps automate the latter while keeping the former where they belong: with your lending team.
Frequently Asked Questions About autoBOUGHT
What is autoBOUGHT?
autoBOUGHT is appTRAKER's virtual underwriter for automated lending decisions. It uses lender-configured rules, requirements, calculations, scores, and tolerances to automate eligible decisions and extend those capabilities to authorized dealers through Dealer Portal.
Does autoBOUGHT replace underwriters?
No. autoBOUGHT is designed to automate transactions that meet the lender's configured decisioning criteria while referring applications requiring additional judgment or review to lender staff. The lender controls the extent of automation.
Can autoBOUGHT automatically approve applications?
Yes. Applications meeting lender-defined requirements can receive automated approvals when the applicable workflow has been configured for automated approval.
Can autoBOUGHT automatically decline applications?
Yes. autoBOUGHT can support automated decline outcomes according to the lender's configured rules and decisioning strategy. The lender determines whether, when, and under what conditions automated declines are used.
Can applications be referred to an underwriter?
Yes. Applications that do not qualify for an automated outcome or meet lender-defined referral criteria can be routed for human review.
Can dealers rehash a deal?
Yes. Authorized dealers can revise permitted transaction information and re-evaluate a deal through Dealer Portal according to lender-defined controls and tolerances.
Can a dealer change the vehicle?
Yes. autoBOUGHT supports workflows in which dealers can change permitted collateral or transaction information and have the revised deal evaluated against the lender's configured rules.
Does the dealer control the underwriting rules?
No. The lender defines the rules, tolerances, permitted changes, approval criteria, referral criteria, and extent of automation. Dealer self-service operates within those lender-established boundaries.
Can autoBOUGHT use credit bureau information?
Yes. autoBOUGHT can use application and credit information available to appTRAKER according to the lender's configured rules and integrations.
Can autoBOUGHT use AI-powered or predictive credit models?
Yes. appTRAKER integrations can provide scores, predictive risk assessments, alternative data, and AI- or machine-learning-powered insights that can participate in the lender's configured decisioning workflow. The lender determines how those results are used.
Which risk and scorecard providers can work with appTRAKER?
appTRAKER supports integrated risk and scorecard solutions including providers such as Zest AI, Underwrite.ai, TruDecision, Creative Business Decisions (CBD), and Neo, among others. Available integrations and capabilities depend on lender configuration and the applicable third-party service.
Does an AI model make the final lending decision?
Not necessarily. Third-party models and scorecards can provide risk intelligence that contributes to autoBOUGHT's decisioning process. The lender determines how those results interact with its credit policy, business rules, automated outcomes, and human-review requirements.
Is autoBOUGHT available outside normal business hours?
Yes. One of autoBOUGHT's primary purposes is to make configured automated decisioning available without requiring underwriting staff to be present for every transaction, supporting 24/7/365 dealer activity.
What is the difference between autoBOUGHT and autoBUILT?
autoBOUGHT is the virtual underwriter and automated decisioning capability. autoBUILT is the automated deal-structuring capability. They can work together to provide a more automated path from a proposed transaction to a lender-acceptable structure.
Can the lender choose how much decisioning to automate?
Yes. The lender controls the extent of automation and can establish the conditions under which a transaction is automatically processed or referred for human review.
