Understanding Credit Insights: How to Read and Act on Every Credit Lead
Credit Insights is your built-in deal coach - turning complex credit data into clear, actionable steps your team can take right away.
Every AVA™ Credit lead now comes with Credit Insights, a feature that automatically analyzes each customer’s credit profile and highlights the best next step to secure an approval.
You’ll see a small insight badge appear beside each credit lead in your Dealer Portal.
These badges summarize what’s going on with that customer - whether they’re Subprime, Prime, Newcomer, or Negative Equity - and what to do next.
This means your sales and F&I teams can act with confidence on every lead, no matter how complex.
Why Credit Insights Matters
Most dealerships spend too much time manually reviewing credit reports and guessing which lender or structure to try first.
Credit Insights changes that by doing the heavy lifting for you:
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Instant analysis of every AVA™ Credit lead
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Clear summaries of the customer’s situation
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Recommended next steps based on lender fit and deal structure
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Automatic alerts via email so you never miss a hot opportunity
Instant analysis of every AVA™ Credit lead
Clear summaries of the customer’s situation
Recommended next steps based on lender fit and deal structure
Automatic alerts via email so you never miss a hot opportunity
Credit Insights Statuses Explained
Here’s a breakdown of every Credit Insight type you’ll see inside your Dealer Portal - what it means and what to do when you get one:
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Insight Type
What It Means
How It Appears
How It Is Determined
Recommended Action
Subprime Insight
The customer has a lower credit score or higher debt-to-income ratio. They may still qualify through subprime programs.
Badge: Subprime
Color: Orange
Customer has a less than 650 credit score
Use Lender Suggest to find a Tier 2 or Tier 3 lender. Offer extended terms or larger down payments to increase approval odds.
Newcomer Insight
The customer has little or no credit history (often new to Canada or first-time buyer).
Badge: Newcomer
Color: Blue
Customer credit history is less than 3 years
Direct the customer to lenders offering newcomer programs or co-signer options. Build trust with transparency about next steps.
Negative Equity Insight
The customer owes more on their trade-in or loan than the vehicle’s current value.
Badge: Negative Equity
Color: Red
Customer has a trade-in vehicle with a loan balance higher than book value
Recommend refinance options or a trade-up strategy using MatchBook to find eligible vehicles.
Prime Insight
The customer has a strong credit profile and qualifies for top-tier lenders.
Badge: Prime
Color: Green
Customer credit score is more than 700
Prioritize this lead for fast action. Offer best-rate financing and upsell protection plans or add-ons.
How You’ll Receive Credit Insights
You’ll never have to go hunting for insights - they’ll find you automatically.
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Delivery Channel
What You’ll Get
Purpose
In-Portal
Insight badge + detailed tab with profile summary and next steps.
Quick visibility for every team member working leads.
Email Alert
Summary of credit type, issue, and recommendation.
Keeps F&I and Sales aligned even when off the floor.
💡 Tip: You can access all insights directly from the Dealer Portal’s “Insights” tab or by clicking the badge next to a customer’s name.
Quick Best Practices
Act Fast: Insights are most powerful when acted on quickly - aim to contact leads within minutes of receiving a new alert.
Trust the Guidance: The recommended lender programs are data-backed and proven to increase approval odds.
Use Every Insight: Even prime or newcomer leads contain opportunities to build better customer relationships.
Train Your Team: Credit Insights can cut onboarding time in half by providing real-world examples and structures for each credit type.