DESIRABILITY + FINANCEABILITY

Stop shopping for cars
you can't get approved for.

ShiftSimple finds vehicles you actually want that also fit your financial situation.

Most auto shopping sites ask "what car do you want?" Others only ask "what can you afford?" ShiftSimple asks both — together.
WHAT YOU WANT + WHAT FITS YOUR SIMPLE DEAL
What you want
Body style, make, features, color, mileage
+
What fits your situation
Income, credit range, down payment, budget
=
Your Simple Deal
Vehicles worth actually going to see

ShiftSimple looks at the vehicle preferences and financial information you choose to share, and uses both to surface stronger potential matches — before you ever set foot on a lot.

2022 Honda CR-V EX-L
$24,300 · 31,000 mi
92%YOUR MATCH 87%DEAL MATCH
2021 Toyota RAV4 XLE
$22,900 · 28,500 mi
88%YOUR MATCH 91%DEAL MATCH
2023 Mazda CX-5 Preferred
$25,600 · 19,200 mi
85%YOUR MATCH 79%DEAL MATCH

Sample matches shown for illustration only.

FIRST, A QUICK REALITY CHECK

Your credit score is only part of the deal.

Credit matters — but it's only one part of the picture. Whether a specific vehicle actually works depends on you, the vehicle, and how the deal itself is structured.

YOU
+
THE VEHICLE
  • Price
  • Age
  • Mileage
  • Value
+
THE DEAL
=
WHAT MAY
ACTUALLY WORK

Being able to finance around $25,000 doesn't mean every $25,000 vehicle represents the same deal. A newer car with low mileage and a three-year-old car with higher mileage can carry very different financing situations at the same sticker price.

"But Credit Karma says I'm a 620."

That score is genuinely useful information — but it's a consumer credit score. Auto lenders often use a different scoring model built specifically around auto-lending risk, and they generally weigh more than a score alone: income, employment history, the vehicle itself, and how the deal is structured.

That's why ShiftSimple starts with the whole picture — not just a score.

HOW SHIFTSIMPLE THINKS

Not every car is worth your time. We help find the ones that are.

Every vehicle gets two scores — Your Match and Deal Match — that ShiftSimple uses together to rank real inventory into a shortlist worth actually seeing.

READY WHEN YOU ARE

Ready to see where your Simple Deal leads?

Answer a few questions and see which vehicles make the most sense for you.

What you wantWhat you're working withYour infoYour Simple Deal
STEP 1 OF 3

What do you want?

Answer what you can — nothing here is required. The more you share, the sharper your matches.

Body style
New or used
Size
Drivetrain (a preference — see the checkbox below if you need it)
Fuel type
What matters most to you? (pick any that apply)
STEP 2 OF 3

What are you working with?

This helps ShiftSimple estimate which vehicles fit your situation. Credit information is self-reported and used only for an estimate.

Trade-in
Credit range is self-reported and not a credit check. ShiftSimple does not perform a hard credit inquiry at this stage, and nothing here is a loan application.
STEP 3 OF 3

Where should we send your Simple Deal?

We'll show you your matches right away — this just lets a dealer follow up on the vehicles you actually like.

Building your Simple Deal…
Matching real inventory against what you want and what fits your situation.
ESTIMATED SIMPLE DEAL
$0 – $0
Based on the information you shared
Estimated Deal Match — not an approval, financing offer, or guarantee. Actual financing, APR, and vehicle availability depend on the dealer, the lender, and your full application.

SHIFTSIMPLE
Your Simple Deal
Reference · generated
Your buying power (estimate)
These figures are estimates based on the information you shared, not a credit check or a guaranteed offer. Nothing on this page is a confirmed lender approval.
What you told us
      Vehicles reviewed
      Your strongest matches
      What happens next

      Your Simple Deal — not an approval, financing offer, vehicle-availability guarantee, or binding agreement. Final eligibility, price, and availability depend on the dealer, the lender, and a complete application.
      FOR DEALERS

      Stop paying for leads that can't buy your inventory.

      ShiftSimple matches buyers to vehicles on your lot based on both what they want and what appears financially compatible — before they reach your sales team.

      Traditional leadShiftSimple lead
      "Customer interested in a $32,000 SUV.""Customer reviewed financially compatible inventory from your lot and selected these three vehicles."
      • Fewer hours spent switching customers off vehicles they can't finance
      • Fewer customers arriving with unrealistic vehicle expectations
      • Less wasted salesperson time on leads with no suitable inventory
      • Fewer repeated inventory searches on the floor
      • Fewer customers who leave after disliking their realistic options
      • Better prepared buyers + better inventory alignment + less wasted sales time — not just more leads.
      WHY THE MARKET NEEDS THIS

      Buyers shop backwards. Dealers pay for it.

      • Consumers fall for a car first, find out later. A credit application after the fact — often a hard pull and hours on a lot — is how most buyers discover a deal can't be structured, especially subprime, first-time, and post-bankruptcy buyers.
      • Dealerships burn hours on unqualified leads. A salesperson spends an hour with a shopper on a vehicle that was never going to clear underwriting for their income and credit profile — a direct cost to the finance and sales desk.
      • Financing is bolted on, not built in. Existing marketplaces treat financing as a secondary calculator. Few rank inventory by the variable that decides whether a lead becomes a sale.
      PlayerFocusFinanceability-first?
      Cars.com / Autotrader / CarGurusInventory discoveryNo
      Credit Karma / Credit SesameCredit education & offersNo
      Dealer-direct finance toolsSingle-dealer credit appsNo
      ShiftSimpleBuyer-first financeabilityYes — pre-visit

      Ready to connect your inventory?

      DEALER SIGN-IN

      Enter your dealer portal

      Forgot password?

      First time here? Entering a new dealership name, email, and password creates an account. We'll email you a confirmation link before your first sign-in completes.

      ← Back to For Dealers

      Signed in as — none —
      0
      DEALERS CONNECTED
      0
      VEHICLES IN NETWORK
      You're not signed in. Go to dealer sign-in to add or manage inventory.
      LENDER NETWORK — THE LONG-TERM MOAT

      A private routing layer, not another marketplace.

      As the network matures, participating lenders share underwriting criteria with ShiftSimple privately. The platform learns patterns of the form buyer profile + vehicle type + deal structure → likelihood of approval from a given lender — turning ShiftSimple from an inventory marketplace into a routing layer between consumers, dealer inventory, and lenders.

      How the matching program works

      →

      Aggregate first. The program starts with anonymized, aggregate approval-pattern data — no granular underwriting criteria required to join.

      →

      Structured deal flow. Lenders get access to pre-qualified buyer profiles and deal structures that already match their stated appetite, instead of raw applications.

      →

      Criteria sharing grows over time. As trust and volume build, lenders can share more granular underwriting criteria to sharpen routing further.

      →

      Compliance-first. Fair-lending and credit-reporting requirements (FCRA, ECOA) are engaged with legal counsel before any criteria sharing goes live.

      Join the lender network

      Register interest now — this saves to the live partner list.

      CURRENT LENDER LANDSCAPE — ALL FIVE CREDIT TIERS

      Who actually lends at each tier, today.

      The financeability engine's rate assumptions and dealer credit-tier tags are built around this landscape — from major banks and credit unions at the top of the credit spectrum to the specialty finance companies that write deep subprime paper other lenders won't touch.

      Credit tierTypical used-vehicle APR*Representative lenders active in this tier
      Super-prime
      781–850 FICO      		 ~6–7% Bank of America, Chase Auto, PenFed Credit Union, Navy Federal Credit Union, Alliant Credit Union, USAA (military-affiliated)
      Prime
      661–780 FICO      		 ~8–9.5% Capital One Auto Navigator, Ally Auto, Chase Auto, Bank of America, most local and regional credit unions (commonly reached via CUDL)
      Near-prime
      601–660 FICO      		 ~10–14.5% Ally Financial, Capital One, Global Lending Services (GLS), Regional Acceptance Corporation, community credit unions
      Subprime
      501–600 FICO      		 ~14.5–19.5% Santander Consumer USA, Westlake Financial, Prestige Financial Services, American Credit Acceptance, Exeter Finance
      Deep subprime
      300–500 FICO      		 ~15.5–21.5%+ Credit Acceptance Corporation, Consumer Portfolio Services (CPS), Westlake Financial, First Investors Financial Services, Buy Here Pay Here in-house programs

      *Directional averages compiled from Experian's State of the Automotive Finance Market and Bankrate's weekly rate survey, 2026. Actual offers vary by state, lender, term length, vehicle age, and loan-to-value — always confirm current terms directly with the lender before structuring a deal. This directory is planning reference, not a live rate feed or a lending relationship — none of these institutions have been contacted or verified as ShiftSimple partners.

      0 lenders currently registered in the network
      FOR LENDERS

      Partner with ShiftSimple

      Interested in partnering with ShiftSimple? Join our growing network of automotive finance partners. Leave your basic details and we'll follow up.

      Already in touch with us? Sign in or create your lender profile →

      ← Back to home

      LENDER SIGN-IN

      Your lender profile

      Forgot password?

      First time here? Entering a new institution name, email, and password creates an account. We'll email you a confirmation link before your first sign-in completes.

      ← Back

      LENDER PROFILE

      Welcome,

      Your profile is on file with ShiftSimple. Our partnerships team will reach out about next steps — there's nothing further to do here yet.

      HOW IT WORKS

      We don't just score the deal. We find your path through the inventory.

      Your Match and Deal Match are useful scores inside ShiftSimple — not the whole product. Here's the full process behind your results.

      1

      Tell us what you want. Body style, mileage, features, colors — as much or as little as you'd like to share.

      2

      Tell us about your situation. Income, self-reported credit range, down payment, and trade-in, if any.

      3

      ShiftSimple evaluates available vehicles. Every vehicle in the connected dealer network gets checked against both of the above.

      4

      Each vehicle receives two scores: Your Match and Deal Match — kept separate, never blended into one hidden number.

      5

      The algorithm ranks the strongest opportunities. Not just what's financially possible, and not just what you like — the overlap between the two.

      →

      Your Simple Deal. An estimated buying range, a ranked list of real inventory, and a shortlist you build yourself before ever contacting a dealer.

      Your Match

      How closely a vehicle fits what you actually want — body style, make, mileage, features, color, and more.

      Deal Match

      An estimate of how compatible a vehicle looks with your financial situation, based on what you've shared and an assumed APR for your credit range. It's not an approval — just a stronger starting point.

      Want the plain-English version of every term ShiftSimple uses along the way?

      CAR BUYING, TRANSLATED

      "What the hell does that mean?"

      Auto financing is full of jargon nobody explains. Search a term below, or browse by category — and anywhere ShiftSimple uses one of these terms, you can click it to jump straight here.

      ABOUT SHIFTSIMPLE

      Vehicles you want, deals that fit.

      ShiftSimple exists to find the intersection between what a buyer actually wants and what appears financially compatible with their situation — before they ever set foot on a lot. Instead of one generic buying-power number, ShiftSimple evaluates real lender program data alongside a customer's preferences and financial situation, so the vehicles a customer sees are ones with a genuine reason to fit.

      PRIVACY

      How ShiftSimple handles your information

      ShiftSimple collects the vehicle preferences, financial information, and contact details a customer chooses to share through the "Find My Simple Deal" questionnaire. That information is used to estimate financing paths and match inventory, and — only once a customer selects a dealer to connect with — is shared with that dealer along with the vehicles selected. Credit information collected today is self-reported, not a credit pull. This page describes current practice; ShiftSimple's complete privacy policy will be published here ahead of public launch.

      TERMS

      Terms of use

      ShiftSimple provides estimated vehicle and financing matches based on information customers choose to share. Using ShiftSimple is not a loan application, and nothing shown — including any estimated range, Deal Match score, or financing path — is an approval, offer, or guarantee of financing, credit terms, or vehicle availability. Final eligibility depends on a complete application, the lender's underwriting, the dealer, and the specific vehicle. ShiftSimple's complete terms of use will be published here ahead of public launch.

      SHIFTSIMPLE ADMIN

      Staff sign-in

      Forgot password?

      SHIFTSIMPLE

      Reset your password

      ← Back to sign in

      SHIFTSIMPLE

      Set a new password

      SHIFTSIMPLE ADMIN

      Platform operations

      Internal tool for authorized ShiftSimple staff. Not linked from public navigation.

      Change admin password
      Import legacy dealer/lender accounts into Postgres
      One-time (or safe-to-repeat) step for moving existing dealer/lender accounts onto Supabase Auth: stages this browser's current dealer/lender directory hashes into Postgres so a dealer or lender can claim their account with their existing password on their next sign-in. Creates no login credentials by itself — see netlify/functions/admin-import-legacy-accounts.js.
      Dealer status changes below update ShiftSimple's directory and Postgres together, and block sign-in immediately — a disabled dealer is signed out on their next page load or sign-in attempt. Role-based staff access (Dealer Admin/Owner, Manager, Salesperson) is managed separately.
      DealershipVehiclesLeadsStatus
      No dealerships yet.
      DEALER-LENDER RELATIONSHIPS

      Manage relationship status

      Controls whether a financing path through a specific dealer is presented as an actionable route (ACTIVE), a confirmed dead end (INACTIVE), or still pending (PENDING). Leaving a pair unset keeps it UNKNOWN — ShiftSimple never assumes a route is active just because both the dealer and lender exist.

      DealerLenderStatusLast updated
      No dealer-lender relationships have been set yet — all pairs currently resolve to UNKNOWN.
      LENDER REQUESTS

      Network signups

      Submitted from the public "For Lenders" partner form.

      NameEmailStatesTierNotesSubmittedStatus
      No network signups yet.

      Interest form submissions

      Submitted from the lightweight lender interest form.

      NameEmailMessageSubmittedStatus
      No interest submissions yet.
      LENDER PROGRAM DATA

      Lender data coverage

      Every lender in the directory is internal infrastructure — none of these names or rates are shown to consumers. A lender only ever contributes its own distinct financing path once it has real verified program fields; until then it's listed here as a coverage gap.

      LenderProgramCompletenessVerified fieldsSource
      LENDER PROGRAM CHANGE REVIEW

      Proposed updates

      A scheduled server-side agent (netlify/functions/lender-agent-scheduled.js) checks connected public lender rate pages once a day and queues any detected change below alongside anything entered manually here. Nothing is ever applied automatically — approving writes through the same verified-fact history used everywhere else in the lender data layer. Approve/reject actions use your admin sign-in session — no separate token needed.

      SourceLenderFieldCurrent valueProposed valueSource URLDetectedStatus
      No proposed lender program changes yet.
      SHIFTSIMPLE ADMIN

      Leads

      Pay-per-confirmed-sale: $150 is owed only once a sale is confirmed below — never for a delivered, contacted, or appointment-stage lead.

      CustomerPhoneEmailCreatedSource EngineViableBuying powerDealerRouting StatusSaleBillableOwed