Electronic Contracting

Digital Contracting
and Signing

Digital contracting helps dealerships provide the flexible deal completion and signing experience customers demand while lowering overhead costs, reducing contracts in transit, and boosting funding speed.

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Challenges

We know your challenges

7days

average transit time for paper contracts.*

Speed up your contracting

It can take a week or more for decisioning and funding of traditional paper funding packages. With digital contracting you submit complete funding packages to lenders with the click of a button for faster funding.

31min

longer process for manual signing of paper contracts vs. digital.*

Long signing process

Car buyers’ least favorite part of the buying process is paperwork and signing. Digital solutions help streamline the F&I process and improve customer satisfaction.

$50deal

costs associated with paper contracting.*

Overhead expenses

Paper documents add surprisingly high costs to your contracting process. Digital contracting streamlines the process and reduces printing, toner, shipping and other paper handling expenses for your dealership.

1in 4

paper contracts has an error.*

Re-contracting

Errors and missed signatures on paper funding packages that lead to re-contracting can slow down your funding. Using a digital contracting solution helps you catch errors and missed signatures in real time, so you submit complete, accurate funding packages.

70%

of dealers say missed stips contribute to funding delays.*

Missing stips

Overlooking lender-required documents before shipping a funding package can delay funding. Digital contracting helps ensure that you know what documents each lender requires so you can submit them all at once.

*Data based on user input and calculations using Dealertrack’s Digital Contracting Savings Calculator as of June 2021
*Cox Automotive 2021 Car Buyer Journey Study
*Data based on user input and calculations using Dealertrack’s Digital Contracting Savings Calculator as of June 2021.
*Dealertrack data
*Dealertrack data
Challenges

We know your challenges

Select a challenge you face

Contracts in transit

7days
average transit time for paper contracts.*
*Data based on user input and calculations using Dealertrack’s Digital Contracting Savings Calculator as of June 2021

Speed up your contracting

It can take a week or more for decisioning and funding of traditional paper funding packages. With digital contracting you submit complete funding packages to lenders with the click of a button for faster funding.

Long signing process

31min
longer process for manual signing of paper contracts vs. digital.*
*Cox Automotive 2021 Car Buyer Journey Study

Long signing process

Car buyers’ least favorite part of the buying process is paperwork and signing. Digital solutions help streamline the F&I process and improve customer satisfaction.

Overhead expenses

$50deal
costs associated with paper contracting.*
*Data based on user input and calculations using Dealertrack’s Digital Contracting Savings Calculator as of June 2021.

Overhead expenses

Paper documents add surprisingly high costs to your contracting process. Digital contracting streamlines the process and reduces printing, toner, shipping and other paper handling expenses for your dealership.

Re-contracting

1in 4
paper contracts has an error.*
*Dealertrack data

Re-contracting

Errors and missed signatures on paper funding packages that lead to re-contracting can slow down your funding. Using a digital contracting solution helps you catch errors and missed signatures in real time, so you submit complete, accurate funding packages.

Missing stips

70%
of dealers say missed stips contribute to funding delays.*
*Dealertrack data

Missing stips

Overlooking lender-required documents before shipping a funding package can delay funding. Digital contracting helps ensure that you know what documents each lender requires so you can submit them all at once.

How much is paper contracting costing you?

Use our savings calculator to find out how much you can save by submitting contracts to your lenders digitally.

%

3%

15%

Contracts

0

200

$

$0

$200,000

Days

0

20

$

$4

$25

$

$1

$10

Projected Savings

  • Savings per Deal

    $92

  • Total Monthly Savings

    $4,586

  • Annual Savings

    $50,239

Loading...
See Annual Savings

Let Us Show You How You Can Achieve These Savings

Get Started
45%
faster contracting process.
When using Dealertrack DMS with Dealertrack F&I Digital Contracting

Available DMS Integrations

Integrate to your DMS provider to reduce manual data entry and re-keying, save time, and reduce errors.

  • ADAM Systems
  • Advent
  • Automate
  • Autosoft
  • CDK Global
  • DealerBuilt
  • Dealertrack DMS
  • Dominion
  • PBS Systems
  • Reynolds & Reynolds
  • Tekion

Available DMS Integrations

Integrate to your DMS provider to reduce manual data entry and re-keying, save time, and reduce errors.

  • ADAM Systems
  • Advent
  • Automate
  • Autosoft
  • CDK Global
  • DealerBuilt
  • Dealertrack DMS
  • Dominion
  • PBS Systems
  • Reynolds & Reynolds
  • Tekion
45%
faster contracting process.
When using Dealertrack DMS with Dealertrack F&I Digital Contracting

300+ Digital Contracting Lenders

Fund more deals faster with digital contracting. See which lenders support your contracting processes.

Results

  • ABNB Federal Credit Union
  • Achieva Credit Union
  • ACT Finance
  • Affinity Bank
  • Agora Data
  • Air Academy Federal Credit Union
  • Alabama CU Services
  • Ally Financial
  • AltaOne Federal Credit Union
  • Alltru Credit Union
  • American Credit Acceptance
  • AmeriCredit
  • American Eagle Bank
  • American Heritage Federal Credit Union
  • American National Bank and Trust
  • Anderson Brothers Bank
  • Arivo Acceptance
  • Arvest
  • Aspen Federal Credit Union
  • Ascend Federal Credit Union
  • Associated Bank
  • Associated Credit Union
  • Aston Martin Financial Services
  • Avid Acceptance
  • Automobile Acceptance Corporation
  • Automotive Credit Corporation
  • Bank of America
  • Beacon Community Bank
  • BBVA is now PNC Bank
  • BB&T now Truist
  • Bellco Federal Credit Union
  • Blue Ridge Bank & Trust Company
  • BMO Harris Bank
  • Busey Bank
  • Capital City Bank
  • Capital Credit Union
  • Capital One Auto Finance
  • Carolina Finance LLC
  • Central Bank of Boone County
  • Central Bank Ozarks
  • Central Pacific Bank
  • Central Trust Bank
  • C&F Finance Company
  • Chartway Federal Credit Union
  • Chase
  • Chemung Canal Trust Company
  • Christian Financial Credit Union
  • Chrysler Capital
  • Cinch Auto Finance (formerly CULS)
  • Citizens
  • City & County Credit Union
  • CommunityWide Federal Credit Union
  • Community Trust Bank
  • Consumer Portfolio Services (CPS)
  • CorePlus Credit Union
  • Cornerstone Financial Credit Union
  • CoVantage Credit Union
  • Credit Human
  • Credit Union 1
  • Crescent Bank
  • CUAC: Achieve Credit Union
  • CUAC: Amoco Federal Credit Union
  • CUAC: Ashland Community Federal Credit Union
  • CUAC: Baton Rouge Telco
  • CUAC: Bayou Federal Credit Union
  • CUAC: Beacon Federal Credit Union
  • CUAC: Cal-Com Federal Credit Union
  • CUAC: Campus Federal
  • CUAC: Centric Federal Credit Union
  • CUAC: Citizens Federal Credit Union
  • CUAC: Community Resource Credit Union
  • CUAC: Community Service Credit Union
  • CUAC: Cy-Fair Federal Credit Union
  • CUAC: Dannemora Federal Credit Union
  • CUAC: DN Community Federal Credit Union
  • CUAC: Eagle LA Federal
  • CUAC: Energy Capital Credit Union
  • CUAC: Fleur De Lis Federal Credit Union
  • CUAC: Greater New Orleans Federal Credit Union
  • CUAC: Gulf Coast Educators Federal Credit Union
  • CUAC: Harris County Federal Credit Union
  • CUAC: Houston Metropolitan Federal Credit Union
  • CUAC: Golden Circle Credit Union
  • CUAC: Houston Highway Credit Union
  • CUAC: La Terre Federal Credit Union
  • CUAC: MemberSource Credit Union
  • CUAC: Neches Federal Credit Union
  • CUAC: People's Trust Federal Credit Union
  • CUAC: PrimeWay Federal Credit Union
  • CUAC: Plus4 Credit Union
  • CUAC: ProFed Federal Credit Union
  • CUAC: PSE Credit Union
  • CUAC: Southwest Louisiana Credit Union
  • CUAC: Reed Credit Union
  • CUAC: Superior Savings Credit Union
  • CUAC: Taleris Credit Union
  • CUAC: Texas Bay Credit Union
  • CUAC: Transtar Federal Credit Union
  • CUAC: United Educators Credit Union
  • CUAC: use Credit Union
  • DATCU Credit Union
  • Eastman Credit Union
  • Ent Credit Union
  • Equity Auto Finance
  • Everwise Credit Union (Previously Teachers Credit Union)
  • Exeter Finance
  • Ferrari Financial Services
  • Fifth Third Bank
  • First Citizens Bank
  • First Commonwealth Bank
  • First Financial Bank NA
  • First Help Financial
  • First Interstate Bank
  • First Investors Financial Services
  • First South Credit Union
  • Financial Institution Lending
  • Flagship Credit Acceptance
  • Fort Financial Credit Union
  • Forum Credit Union
  • Foursight Capital
  • Fulton Bank N.A.
  • Future Finance
  • Gateway Financial Solutions
  • General Electric Credit Union (GECU)
  • Genesis Finance
  • global Lending Services
  • GM Financial( Retail and Lease ) 1
  • Greenwood Credit Union
  • Greylock Federal Credit Union
  • GTE Financial
  • Hawthorn Bank
  • Heritage Acceptance
  • Hiway Credit Union
  • HomeTrust Bank Auto Finance
  • Huntington National Bank 2
  • Hyundai Motor Finance
  • IC Federal Credit Union
  • Ideal Credit Union
  • Infiniti Financial Services( IFS )
  • Inn Fin Ser
  • Inspire Federal Credit Union
  • Jaguar Financial Group
  • Jefferson Bank
  • Jersey Shore State Bank
  • Keesler Federal Credit Union
  • Key Bank
  • Kia Finance America
  • KeyPoint Credit Union
  • Kitch Acceptance Corporation
  • Lake Michigan Credit Union
  • Landmark Credit Union
  • Land Rover Financial Group
  • Lebanon Federal Credit Union
  • Lentegrity
  • Liberty Federal Credit Union
  • Local Finance LLC
  • Luzerne Bank
  • Marine Credit Union
  • Maserati Capital
  • McLaren Financial Services
  • Mechanics Bank Auto Finance( previously known as CRB Auto)
  • Members 1st FCU
  • MembersAlliance Credit Union
  • Michigan State University FCU( MSU )
  • Mid - Florida Credit Union
  • Mid-Atlantic Finance
  • Mid Hudson Valley Federal Credit Union
  • Minnesota Valley Federal Credit Union
  • Mobility Credit Acceptance
  • M & amp;T
  • Municipal Credit Union
  • Nationwide Acceptance LLC
  • Navigant Credit Union
  • NBT Bank
  • Nissan Motor Acceptance Corp( NMAC )
  • Northwest Bank
  • Ohio Catholic Federal Credit Union
  • Palisades Funding Corporation
  • Partners 1st Federal Credit Union
  • Pathways Financial Credit Union
  • People First Federal Credit Union
  • Peoples Credit Inc .
  • PNC Bank
  • Polestar Financial Services
  • Porsche Financial Services
  • Prancer Capital
  • Prestige Financial Services
  • Professional Financial Services
  • Quality Acceptance LLC
  • Rally Credit Union
  • Redwood Credit Union
  • Reliable Credit Association Eugene
  • Reliable Credit Association Federal Way
  • Reliable Credit Association Lynnwood
  • Reliable Credit Association Medford
  • Reliable Credit Association Meridian
  • Reliable Credit Association Milwaukie
  • Reliable Credit Association Salem
  • Reliable Credit Association Spokane Valley
  • Reliable Credit Association Tacoma
  • Reliable Credit Association Tempe
  • Reliance Motor Credit LLC
  • River Region Credit Union
  • River Valley Credit Union Inc.
  • Robins Financial Credit Union
  • Safe 1 Credit Union
  • SAFCO
  • Santander Consumer USA
  • Space Coast Credit Union
  • St . Mary's Credit Union
  • Subaru Motors Finance
  • SunTrust now Truist
  • Taunton Federal Credit Union
  • TD Auto Finance
  • Texans Credit Union
  • Texas Bay Credit Union
  • The LGM Company
  • Inc.
  • Tidewater Finance company
  • Tinker Federal Credit Union
  • Together Credit Union
  • TopLine Financial Credit Union
  • Truist
  • United Bank
  • Union Bank and Trust
  • Union Square Credit Union
  • U.S. Bank
  • US Community Credit Union
  • Valley National Bank
  • Vehicle Solutions Corp
  • Velocity Credit Union
  • Veridian Credit Union
  • Volvo Car Financial Services
  • Wells Fargo
  • Westfield Bank
  • Westlake Financial
  • Wheatland Federal Credit Union
  • Woodlands Financial Services Inc.

Not seeing your lender?

View Lender List
Our Solution

How does it work?

Dealertrack Digital Contracting lets you build complete digital funding packages, submit them digitally to your lender for faster funding, and give your customers a flexible signing experience – in the dealership or remotely.
Map to your workflow and reduce deal data entry with seamless integration to leading DMS providers.
Build complete digital funding packages with final Menu and aftermarket contracts included.
Upload and eSign any deal document for a single signing session – in-store or remote.
Car buyers can review and sign documents on any device, including mobile phones.
Map to your workflow and reduce deal data entry with seamless integration to leading DMS providers.
Build complete digital funding packages with final Menu and aftermarket contracts included.
Upload and eSign any deal document for a single signing session – in-store or remote.
Car buyers can review and sign documents on any device, including mobile phones.
Our Solution

How does it work?

Dealertrack Digital Contracting lets you build complete digital funding packages, submit them digitally to your lender for faster funding, and give your customers a flexible signing experience – in the dealership or remotely.

Contract Smarter

A streamlined contracting and signing experience helps you reduce errors, missed signatures and re-contracting so you can get funded faster.
Feature Overview

Live Funding Checklist

Get up-to-date guidance on which documents your lender requires in the funding package so you can complete deals faster.
Get Started

Real-Time Error Display

Catch errors and missed signatures with real-time checks and built-in verification alerts as you enter data fields to help you complete contracts accurately to submit for faster funding.

Local File Upload

Easily upload image files, stips, and trailing documents directly from your computer. Drag and drop into the deal jacket to include in the funding package for submission to your preferred lender.

Ready Sign

Add and save signature fields to any deal document you upload make all your documents eSignable. Create templates for frequently used documents.

Flexible eSigning Options

Whether a customer is in-store or remote, offer them secure and convenient eSigning on any device, including mobile phones.

Image Capture

Scan a QR code with your device camera to quickly upload pictures of stips and deal documents directly into the funding package.

Take your contracting process to the next level

Add-on

Remote Signing

Offer every customer flexible signing options on any device, including mobile phones, where and when they choose, with secure, multi-factor authentication to help you verify buyer identities.
Get remote signing
Add-on

DMS Integrations

Integrate with top DMS providers map to your workflow and reduce manual deal data entry to save time and reduce errors, helping you move through the contracting process 45% faster.*

* When using Dealertrack DMS with Dealertrack F&I Digital Contracting

Integrate with your DMS
Add-on

Darwin Menu Integration

Darwin Menu Integration Push and pull data between Darwin and Dealertrack F&I for smoother transactions and a more efficient contracting workflow to build complete funding packages including aftermarket and speed funding.
Integrate with Darwin Menu
Add-on

Digital Contracting Choice

Send more contracts digitally to an expanded group of lenders for faster funding, using the efficient digital contracting workflow.
Contract with more lenders

How Dealertrack compares to other providers

It’s easy to make the right choice with a solution that provides you with the tools to speed up funding.

Dealertrack Digital Contracting

Other Providers

Workflow

End-to-end Workflow

One deal jacket from leads to contracts with all funding documents in a single location.

No Transaction Fees

DMS Integrations

Integrates seamlessly with leading DMS providers to reduce deal data entry.

Verify

Real-Time Error Display

Built-in verification alerts as you enter data.

Live Funding Checklist

Digital list of up-to-date lender required documents.

Fax Checklist Only

Sign

Convert paper to eSignable Documents

Make any document eSignable and save signature fields for frequently uploaded dealer forms.

Ability to save is not offered

Sign on multiple devices

Review and sign on a device that works best for your process.*

Sign and tap

Sign once and simply tap to auto-fill signature fields for a faster signing process.

Remote Signing

A secure signing process. Anytime. Anywhere. And on any device, including mobile phones. Learn More >

Not available for mobile phones

Submit

Image Capture

Scan a QR code from your device camera to add documents to your deal.

Requires Separate App Download

Local File Upload

Easily upload scanned documents and email files from your computer.

Up to 4MB
Up to 2MB

Aftermarket Contracts

Included in your funding package.

Trailing Document Support

Even after you submit, you can upload additional documents.

”

Tim Short Auto Mall Chevrolet, KY

Going digital has significantly decreased funding time, resulting in faster cash flow and reduced customer wait times.

Will Pollard

Finance Manager

Success with
Dealertrack Digital Contracting

0 K/month
savings on costs associated with paper contracting by switching to digital contracting
*Data based on user input and calculations using Dealertrack’s Digital Contracting Savings Calculator as of June 2021 and are not a guarantee of actual savings.
0 %
faster funding time compared to paper contracting
*Data based on user input and calculations using Dealertrack’s Digital Contracting Savings Calculator as of July 2022 and are not a guarantee of actual savings.
0 Min.
saved by reviewing and signing paperwork digitally
2021 Cox Automotive Car Buyer Journey Research

Learn more about Digital Contracting

Digital Contracting Info Sheet

Learn more

Enhance your Signing

Learn more

Increase Contract Efficiency

Learn more

Do you have misconceptions around eContracting?

Learn more

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