Informativ provides fraud prevention, compliance, credit reporting, customer insights, payment intelligence, and deal-structuring technology for automotive dealers, dealer groups, lenders, software vendors, and consumer finance organizations. Built to support the journey from first interaction to funded deal, Informativ helps businesses create smarter deals and safer sales through one integrated platform.
The platform supports identity verification, fraud prevention, FTC and FCRA compliance, credit reporting from Equifax, Experian, TransUnion, and FICO, customer prequalification, payment calculation, verified stips collection, and digital deal documentation.
Core capabilities include driver’s license scanning, synthetic identity detection, OFAC screening, Red Flags Rule workflows, Adverse Action and Risk-Based Pricing notices, soft and hard credit pulls, digital deal jackets, and audit-ready compliance records.
By combining sales, credit, fraud, compliance, payment, and documentation workflows, Informativ helps organizations reduce risk, protect revenue, improve consistency, and accelerate deal flow. Guided workflows replace disconnected tools and manual checkpoints, helping teams make safer, better-informed decisions throughout the transaction.
For dealerships, Informativ can help reduce process gaps, speed funding, improve deal jacket organization, strengthen compliance documentation, support better customer conversations, and give managers more confidence at the desk.
For technology partners, Informativ offers flexible API-based credit and payment intelligence that can be embedded into digital retailing platforms, websites, chat tools, and other software experiences. Informativ’s modern REST Payments API delivers real-time, VIN-specific, credit-qualified payment calculations using dealer lender programs, vehicle information, credit data, taxes, fees, incentives, and deal parameters.
Key differentiators include a mobile-first workflow, multi-layered fraud prevention, bureau-connected credit solutions, automated compliance notices, SmartPencil deal-structuring intelligence, verified stips, secure digital deal jackets, and flexible API capabilities.
Informativ supports the full transaction lifecycle, from identity verification and fraud prevention to credit access, compliance enforcement, payment calculation, document verification, and final deal documentation. By centralizing these workflows, Informativ helps dealerships and partners create a safer, faster, and more consistent process from first customer interaction through funded deal.
