01Service
02Sales & CRM
03Parts
04F&I
THE F&I DEPARTMENT
CONNECTED BY MOTIV

Keep the deal moving.
Make the details count.

A connected handoff from the sales desk to the finance office, with the customer, vehicle, and deal in the same story.

See inside F&IScroll for the full story
ALL FEATURES INCLUDED.
NO BOLT-ONS NEEDED.
←04 / 08→

F&I in MOTIV · the one idea

Chosen, not sold. The buyer sees the menu at home, and every product carries their answer.

Choosing F&I products is one of the two most stressful moments of buying a car, and the office runs four or more systems per deal. MOTIV puts credit, menu, lender, contract and close in the same jacket the salesperson started — and lets the buyer do their part from their phone.

What stands out.

What protects the buyer and the dealer at the same time.

01Buyer

The menu, seen at home. Chosen, not sold.

A product catalog with tiers the store controls, presented as three plans side by side — on the office screen or on the buyer’s phone the night before. Product cost stays office-only.

The feeling it replaces
“I felt cornered in that little office.”
The feeling it creates
“I’d already picked my coverage at home.”

24 pointsthe gap between buyers who want to choose F&I products online and those who get to — the widest in car buying. Cox Automotive, 2025.

F&I · menuSample data
03Buyer

The paperwork, from the couch.

Credit application, coverage, signatures and the down payment from the buyer’s phone — typed once, sent to lenders from the deal. The store decides which steps happen at home and which in the store.

The feeling it replaces
“I spent my whole Saturday there.”
The feeling it creates
“I came in to drive it and take the keys.”

41 minutes lessat the dealership for buyers who did most steps online — and they were more satisfied. Cox Automotive Car Buyer Journey, 2025.

Step 4 of 8 · credit
Credit application
Filled from what the store already has.
Full name
Tyler J. Carter
Address
2210 S 48th St, Lincoln NE
Employer
Lincoln Public Schools
Monthly income
Enter amount
Typed once. Sent to lenders from the deal.
Submit application
Apply once
Step 5 of 8 · coverage
Pick your coverage
Take your time. Every plan is optional.
Essential
Service contract 5 yr
+$24
Preferred
6 yr · GAP · maintenance
+$52
Complete
Plus tires and finish
+$78
No coverage
Decide later in the office
$0
Choose Preferred
Choose calmly
Steps 7–8 · sign and pay
Sign and pay
Read every page. Sign where it asks.
Retail installment contractSigned
Coverage agreements · 3Signed
Nebraska title applicationSign
Down payment$3,000
Pay $3,000 from my bank
Sign and pay
Garage · the buyer’s phoneSample data
04Office · title clerk

Every contract in transit has an owner.

A funding pipeline with every contract’s status, stipulations and the lender’s answer, beside the lender programs, the term grid and the document package the deal already built.

The feeling it replaces
“Contracts in transit nobody’s chasing.”
The feeling it creates
“I can see what every contract is waiting on, and who has it.”
F&I · fundingSample data
05Dealer principal

The F&I you keep, not just the F&I you write.

Net retained F&I after cancellations, a cancellation case that sends the right refund, and chargebacks shown to the salesperson with the reason and the date — before payday.

The feeling it replaces
“A cancelled product’s refund gets lost, and the chargeback has no reason.”
The feeling it creates
“The refund goes out right, and the rep knows why.”
F&I · after the saleSample data

Also standing out.

The parts of F&I most systems leave to someone else.

Buy here, pay here, in the deal

Dealer-owned financing in the same jacket and the same books, locked per state until compliance covers that store.

Store-financed · 36 moNebraska · coveredAvailable
Iowa rooftopCompliance not covered yetLocked

Lease math on the desk

Lease, finance and cash in one pencil, with the payment grid the buyer sees itemized — no add-on appears unless the buyer chose it.

FinanceLeaseCash
36 mo · 10k mi$489/mo

State forms, Nebraska first

State-specific document templates built from the jacket, so the wrong form never lands in the package.

Nebraska title applicationFrom the jacketReady
Odometer statementFrom the jacketReady

The office, start to finish.

The buyer can reach every step from their phone. The office sees every step in one jacket.

  1. 1

    Menu

    Previewed at home, three plans.

    Time to decide
  2. 2

    Credit

    One application, sent from the deal.

    Filled out once
  3. 3

    Lender

    Programs and term grid in the jacket.

    A payment that holds
  4. 4

    Consent

    Recorded product by product.

    Their answer, kept
  5. 5

    Contract

    Built from the jacket, state forms.

    The right paperwork
  6. 6

    Sign & pay

    E-sign and the down payment.

    Done from their phone
  7. 7

    Fund

    Every contract has an owner.

    Nothing — it’s handled
  8. 8

    After

    Cancellations refunded right.

    Money back, correctly

Seat by seat.

How the day feels before and after, in each seat’s own words.

F&I manager

“Four systems per deal and an overwhelmed buyer.”

“The buyer has seen the menu before they sit down.”

Salesperson

“F&I tells me I’m missing something.”

“The jacket won’t move on until it’s complete.”

Office · title clerk

“Contracts in transit nobody’s chasing.”

“A pipeline with every contract’s status.”

Buyer

“Sign here, here, here and here.”

“I read it and signed from my phone.”

The little things.

Nobody buys on these. They’re why the office says “finally.”

  • Product cost is office-onlysalespeople quoting product cost
  • Consent recorded per productan add-on nobody agreed to
  • Chargebacks with the reason and the datea mystery hole in a paycheck
  • A cancellation case with the refund worked outchasing a refund for months
  • The contract reads from the dealretyping the deal into a form
  • State templates, Nebraska firstthe wrong form in the package
  • Net retained F&I, not just writtencounting income that walks back out
  • An itemized payment grid“what’s this $899 charge?”
  • Lender stipulations with an ownera returned contract nobody sees

Protect the buyer. Protect the store.

Request a 20-minute walkthrough

INSIDE F&I

The tools behind
the momentum.

Let’s talk F&I
01

Digital F&I menus

Present protection options with a structured, easy-to-follow menu.

02

Deal context

Carry the customer and vehicle information through from the sales desk.

03

Lender submission

Support the financing workflow without separating it from the deal.

04

Product presentation

Give your team a consistent way to explain options and record choices.

05

Digital contracting

Connect contracting and signatures to the final steps of the transaction.

06

Customer handoff

Keep delivery information connected as the relationship moves beyond the sale.

05Body Shop
06Office
07Marketing
08Administration