Now accepting credit union partners

Your pre-approvals are leaving
with the dealer's lender. We fix that.

OTD Integrity delivers structured, dealership-ready auto buyers to closing — with your financing in place, your rate intact, and your loan on the paper that funds.

For members
Already have your pre-approval? Build your deal now →
Where loan conversion fails
40–60%
of auto pre-approvals don't result in a funded loan at the originating institution
$0
in incremental loan revenue captured from those lost conversions — despite the approval work already done
Day 1
is when the switch happens — inside the dealership finance office, before the member has read a single document
Estimates based on industry-reported pre-approval-to-funding conversion data. Actual rates vary by institution.
Pre-approvals that never fund Members switching at signing Rate markup the member never sees Confusion killing deals mid-process Loan revenue leaving the institution Pre-approvals that never fund Members switching at signing
The Gap Nobody Talks About

You approved the loan. Someone else funded it.

A member walks in pre-approved. Your team has done its job. But by the time they're sitting in the finance office, the deal has shifted — the rate has moved, the term has stretched, and your paper is no longer on the loan. This isn't rare. It's the default. The dealership finance office is the most profitable room in the building, and it's optimized to capture the financing — not preserve yours.

For Credit Unions
  • Pre-approval conversion averages well below what it should be
  • Members arrive at the lot and switch to dealer financing — after you've done the approval work
  • No visibility into where the deal goes after issuance
  • Loan revenue walks out the door without a trigger or alert
For Members
  • Pre-approval feels like protection — it isn't
  • No structured deal to walk in with
  • The finance office is a second sales process they don't recognize
  • Confusion creates agreement — on terms that cost real money
For Dealers
  • Unprepared buyers slow every step of the close
  • Uncertain financing creates re-contracting risk
  • Decision fatigue in the finance office stalls deals and triggers chargebacks
  • Pre-structured buyers close faster with fewer complications
The OTD Integrity System

Pre-deal clarity that accelerates the final transaction.

We work inside the gap between your pre-approval and the dealership visit — the window where most loan conversions are lost. We take a pre-approved member, structure the complete deal around their credit union financing, and deliver them to the lot as a committed, paperwork-ready buyer.

We don't replace your process. We make it land. Your pre-approval is the foundation. We build the rest of the deal on top of it — vehicle, pricing, trade-in, financing structure — before the member walks into a room designed to unwind all of it.

01
Pre-Approval In Place

The member already has credit union financing. We start there — your rate, your terms, your loan. Everything we build is structured to keep that financing intact through closing.

Your paper. Your rate.
02
Vehicle & Deal Structuring

We build the complete transaction: verified out-the-door pricing against current market data, trade-in valuation, and a financing structure matched to the pre-approval. Every variable documented.

Price. Trade. Structure.
03
Transparent Deal Summary

The member receives a complete breakdown before setting foot in the dealership — purchase price, trade terms, rate, monthly obligation, and total cost of financing. No surprises. No decisions to make on the lot.

Clarity before the visit.
04
Dealer-Ready Transaction

We engage the dealership with a structured purchase order and a committed buyer. The dealer receives a pre-qualified, financing-confirmed customer. The deal moves to funding — with your loan.

Fast. Clean. Funded.
Who It Serves
For Credit Unions

Turn pre-approvals into funded loans.

Your lending team works to approve members. OTD Integrity makes sure those approvals become the loan that closes — not a statistic in your non-conversion report.

  • Higher loan capture rate Members who arrive deal-ready don't switch financing at the lot. The path of least resistance is already your loan.
  • Better member experience A member who closes with confidence comes back for the next loan. Confusion at the dealership is the most common — and least visible — driver of lender-switching.
  • No operational burden You refer the member. We engage directly. No new workflows, no system integrations, no staff training. Your team does what it already does.
  • Differentiated member benefit Most credit unions offer pre-approvals. Few deliver structured, dealership-ready transactions. That's a retention and acquisition advantage worth communicating.
+∞
Funded loans vs. lost pre-approvals
0
New operational workflows required
Day 1
When loan switching happens — and when we stop it

"The member already has your approval. The only question is whether they leave the dealership with your loan or someone else's."

OTD Integrity
For Members

Walk in knowing exactly what you're signing.

You have your pre-approval. That's a good start. What most buyers don't have is a structured deal — a documented purchase price, a clear trade-in value, and a financing breakdown that matches what they were actually approved for.

  • Know the number before you sit down Your out-the-door figure — price, taxes, fees, trade — is documented and confirmed before you step on the lot.
  • Your credit union rate stays on the loan We structure the deal around your pre-approval. There's no moment in the finance office where switching makes sense — because the deal is already done.
  • The finance office is paperwork, not a negotiation When you arrive with a purchase order and committed financing, the visit is a closing. Not a process.
1
Flat fee. Full deal structuring. No surprises.
3–4
Business days from intake to dealer-ready
$0
Dealer arrangements, referral fees, or rate participation

"You don't need to be an expert in automotive finance to get a fair deal. You just need someone who is — before you walk in."

OTD Integrity
For Dealers

Pre-qualified. Pre-structured. Ready to close.

OTD Integrity buyers arrive with committed financing and a documented deal structure. That means less time in the finance office, fewer stalled negotiations, and faster funding with fewer complications.

  • Financing already committed No scramble. No re-contracting. The buyer's financing is in place before the appointment.
  • Deal terms documented in advance Purchase price, trade-in, and structure are confirmed before the visit. The discussion starts at the paperwork.
  • Prepared, committed buyers No decision fatigue. No last-minute uncertainty. Buyers who know what they're signing close faster.

We don't disrupt the deal. We deliver one worth closing.

↓
Time in finance office per pre-structured deal
↓
Re-contracting and fall-through risk
↑
Deal velocity for committed, financing-confirmed buyers

"A buyer who arrives knowing what they're signing doesn't leave undecided. Certainty closes deals. Confusion kills them."

OTD Integrity
Fast. Controlled. Repeatable.

From pre-approval to
funded loan in one structured transaction.

Every deal follows the same structure. Documentation before engagement. Confirmed numbers before the member steps on the lot. Funded loan as the outcome — not the hope.

Day 1
📋
Intake

Pre-approval details, vehicle criteria, and trade-in information confirmed. Scope set.

Days 1–2
📐
Deal Structure

OTD pricing, trade valuation, and financing architecture built and documented.

Day 2–3
📊
Member Review

Full deal summary delivered. Price, trade, rate, and total cost — all clear before the visit.

Day 3–4
🤝
Dealer Engagement

Structured purchase order delivered. Dealer receives a committed, financing-confirmed buyer.

Closing
✓
Funded

Member arrives. Deal closes. Your loan funds.

✦

The outcome is a funded loan — not a completed form.

Every step of this process exists to produce one result: a credit union loan that funds, with a member who understood the deal before they signed it, and a dealer who closed faster because the buyer was ready.

Why This Works

The people who built these processes are the ones closing them for you.

Understanding why auto loan conversions fail requires knowing how dealership finance offices actually operate — not theoretically, but at transaction level. OTD Integrity was built by professionals who have run F&I departments, structured indirect lending programs, and managed lender relationships at production volume.

This isn't a consumer-advocacy service. It's a deal-structuring operation run by people who know every variable in a car transaction and how each one affects your loan.

Transaction Expertise

Between us, we've structured thousands of auto deals across pricing, financing, trade-in valuation, and F&I product placement. We know where deals go wrong because we've been on both sides of the table.

Lender-Side Understanding

We understand how indirect lending works — rate reserves, flat fee structures, dealer participation, backend product integration. We structure deals that work with your underwriting, not around it.

Process Discipline

Every deal follows the same structure. Documentation before engagement. Confirmed numbers before the member steps on the lot. Funded loan as the outcome, not the hope.

12+
Years in F&I operations
60%+
VSC attachment rate built from scratch
80%
GAP attachment peak in managed programs
$0
Dealer arrangements or referral fees

OTD Integrity has no affiliation arrangements with any dealership, dealer group, or lender. Our fee comes from the member we serve. Our structure is independent by design — because your loan captures depend on it.

The Team

Deal structuring expertise. Both sides of the table.

The same knowledge that was used to structure deals inside dealerships is now used to structure them before the member walks in. That's the advantage.

Jeremy
Jeremy
Finance & Deal Structure Lead · OTD Integrity

Jeremy has spent over a decade inside automotive finance operations, including director-level roles managing F&I performance, lender relationships, and indirect lending program development.

His career has been built on one outcome: funded loans. He has grown VSC attachment rates from single digits to institutional benchmarks, structured multi-lender indirect programs from initiation, and managed the compliance and performance requirements that come with operating at scale inside a regulated lending environment.

At OTD Integrity, Jeremy owns the deal structure — financing architecture, lender positioning, backend product assessment, and the transaction documentation that moves a pre-approval to a funded loan. He knows what the dealership finance office is optimizing for. He builds the deal so your loan wins anyway.

F&I Director Indirect Lending Lender Relations Deal Structuring VSC / GAP
Jaron
Jaron
Vehicle Pricing & Transaction Specialist · OTD Integrity

Jaron spent years inside automotive sales operations, where his role was to maximize vehicle margin and trade-in spread at the point of transaction. He knows how deals are built from the front end — how purchase prices are anchored, how trade values are structured, and how buyers are moved toward a number that works for the dealer.

At OTD Integrity, that knowledge operates in the other direction. Jaron establishes accurate market pricing on the vehicle, realistic trade-in valuations against current market data, and a purchase structure that holds up through funding.

When a buyer arrives at the dealership with Jaron's deal structure in hand, the front-end variables are already settled. What's left is paperwork.

Vehicle Pricing Trade Valuation Deal Structuring Sales Operations Market Analysis
What Credit Unions Ask

The questions that matter before you refer a member.

Straight answers. No qualification language.

It doesn't — in either direction. We deliver pre-qualified, financing-committed buyers who are ready to close. Dealers get faster transactions with fewer fall-throughs. We don't advise members to create friction in the finance office. We structure deals in advance so the dealership visit is a closing, not a process. Dealers benefit from the buyer arriving ready.

Members engage us before the dealership visit. We handle the structure — pricing, trade, financing documentation — and they handle the signing. The experience is faster and clearer than a standard dealership visit, and it produces a result most buyers don't get: knowing exactly what they're signing before they sit down.

Nothing. You refer the member. We engage directly. No system integrations, no staff workflows, no operational lift. Your team does what it already does — approve members and issue pre-approvals. We handle everything between the pre-approval and the funded loan.

By making it the path of least resistance. A member who arrives with a structured deal built around their credit union financing has no reason to switch — and no moment of uncertainty where the switch happens. The deal is already done. The loan is already in place. There's nothing for the finance office to replace.

None. OTD Integrity has no affiliation arrangements with any dealership, dealer group, or lender — no referral fees, no rate participation, no backend revenue from the transaction. Our fee comes from the member. Our independence is structural, not aspirational. It's the only model that works for your loan.

We start with a call to understand your member profile and pre-approval process. From there, the simplest version is a warm referral: a member receives your pre-approval, you mention OTD Integrity as a resource, and the member engages us directly. No paperwork, no commitments, no overhead. We build toward more formal integration based on volume and fit.

Ready When You Are

Your loan should fund the car
you already approved.

Let's talk about how OTD Integrity fits into your lending program — and what it costs you when pre-approvals don't convert.

One flat fee · No dealer arrangements · No lender participation
Independent deal structuring — built to fund your loan.