Intelligent pre-screening
Start with finance. Sell more vehicles.
Powered by CreditScanner – the UK’s only real-time pre-eligibility engine.
Show customers what they can afford before they choose a vehicle.
Customers already think in monthly budgets. Most retailer journeys still don’t.
90%
of car buyers start online
86%
prioritise monthly payments
8m+
vehicle adverts viewed daily
“With pre-eligibility on our website, we’re getting better leads out of hours. Customers know what they can afford and are often ready to move on a car before we’ve even opened. Without it, we’d be starting from scratch every time.”
Great Central Auto
The problem with vehicle-first
Customers are asked to choose a vehicle before they know if it’s affordable.
That leads to wasted enquiries, poor conversion, and drop-off when finance doesn’t stack up.
Vehicle-first
Choose vehicle
Apply
Risk decline
Finance-first
Check eligibility
See affordable options
Choose with confidence
Once a customer checks their finance eligibility, the experience changes.
Your live stock is reshaped around what they can actually afford – showing vehicles and monthly payments aligned to their finance profile.
Customers don’t just browse. They browse within their budget.
Meet CreditScanner
The eligibility engine for modern automotive retail
CreditScanner connects customers, vehicles and lenders in real time to deliver accurate, personalised finance outcomes before a full application is ever submitted.
Powered by Credit Score-Based Pricing
At the core of CreditScanner is Evolution’s Credit Score-Based Pricing model.
- Soft credit search pre-screens every customer
- Personalised APRs based on real credit profiles, not dealer discretion
- Lenders matched based on likelihood to approve and pay out
- Accurate, consistent and fully FCA-compliant outcomes
What makes CreditScanner different
Real rate, not generic estimates
Returns finance offers aligned to actual lender criteria
Built on 20+ years of data
Powered by millions of historic decisions and live lender integrations
Works across the full market
Prime, near-prime and non-prime – all in one journey
Why that matters
This changes how customers move through your journey.
No other provider in the UK delivers this level of accuracy, combining:
- Multi-lender real-time decisioning
- Credit score-based pricing across a full panel
- 20+ years of data and lender relationships
Not indicative. Not “from” rates.
Pricing based on the customer’s actual credit profile, applied in real time. So customers see what they’re likely to be approved for, not just what they hope for.
What this means for your dealership
Better-qualified customers, earlier in the journey.
More qualified leads
Customers only see vehicles they’re likely to finance
More deals completed
Fewer declines, more customers progressing to payout
Less wasted time
Focus on customers who can actually proceed
Better customer experience
Confidence from first click to showroom conversation
Support every customer
Not every customer fits a perfect credit profile – but that doesn’t mean the opportunity is lost.
CreditScanner helps:
- Guide customers towards what they can afford
- Introduce alternative routes earlier
- Keep more deals moving
The goal isn’t to filter customers out – it’s to guide them to the right outcome.
Turn more enquiries into deals
With CreditScanner, you’re not guessing affordability – you’re showing it. See how a finance-first journey could work for your dealership.