Predictika · Dealer F&I and deal structuring

An AI sales agent's retail auto deal, checked against lender program rules before it is presented

An AI sales agent structures a retail vehicle deal for a dealership customer: lender program and credit tier, term, rate, down payment, rebates, F&I products and the payment. Before the deal is presented, the agent sends it to Predictika, which checks it against a declarative model of lender program and dealer rules and returns a verdict, every reason and the figures it computed.

Scope: retail auto deal structuring and F&I product eligibility under lender programs: credit tier, term, rate markup, loan-to-value, payment limits, products and rebates. See everything this validator covers

This validator models retail vehicle deal structuring under lender programs — not just the scenarios shown below.

Lender programs — three illustrative lenders (a bank, a credit union and a captive finance company), each with three credit tiers and its own minimum score and buy rate.
Term and vehicle — maximum term for new and for used vehicles, and the oldest used vehicle each program accepts.
Rate and structure — dealer rate markup over the buy rate, loan-to-value limit against vehicle value, and the amount financed the quote states.
Payment — the stated monthly payment against a share of gross monthly income.
F&I products — GAP, vehicle service contract and prepaid maintenance eligibility by program, GAP eligibility by loan-to-value, and the share of the amount financed that products may take.
Rebates — cash rebate with a special APR offer (stacking), and no manufacturer rebate on used vehicles.

Any retail deal that touches these programs, limits, products or rebates is in scope — not only the scenarios pictured here. Not covered: product prices, tax and fee calculation, leases, a payment calculation (the agent states the payment and the validator checks it against the limit), credit decisions, and any dealer management platform. Assumptions: every lender, program, rate and limit is an invented illustrative value, not a real lender term.

The AI sales agentStructures the deal from the conversation and says it is ready to present.

Predictika validatorChecks every rule at once and returns the verdict, each finding, and the computed figures.

7 scenarios in 3 groups · each group runs from the agent’s first attempt to the outcome · click one to switch

What the agent proposes

The AI sales agent says

Proposing agent: AI sales agent (scripted)

Before sending, the agent must call Recorded run

Predictika validator

Waiting for the call.

What this means

Run the validator to see the outcome

The explanation appears here once the validator returns.

Where rules-based CPQ gets it wrong

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Our assessment of what a typical rules-based configure-price-quote tool (product rules, price rules and validation rules) does with the same cases. It is a judgment about effort and reliability, not a claim that nothing can be built.

What the validator caught	Typical rules-based CPQ	Predictika
Limits that differ by lender and credit tier (term, markup, loan-to-value, payment share)	Only with care A product or price rule per lender and tier works, but each new program multiplies the rules and someone must keep them in step with the rate sheets.	Each program is a row of limits; the same rules read the row, so a new program is a new row.
Product eligibility that depends on the program and on loan-to-value (GAP only when the loan is large against the vehicle)	Only with workarounds Eligibility that depends on a computed ratio usually needs a custom calculation field and a validation rule per product.	The amount financed and the ratio are computed on every call and compared with each program limit.
Rebate stacking: a cash rebate with a special APR, only where the program allows it	Only with care Easy for one program; per-program exceptions tend to become a growing list of conditions.	Whether a program allows stacking is a field on the program row.
A stated amount financed that does not match the structure	Only with workarounds The stated figure is rarely a field on the quote, and recomputing the amount financed in a rule duplicates the structuring logic.	The stated figure travels with the deal and is compared with the computed amount financed.
Every problem returned in one answer	Only with workarounds Rules tend to fire as a screen is saved, so a deal manager often fixes one problem and meets the next.	All findings come back together, whatever order the choices arrived in.

What this validator catches: findings from its test cases

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Every rule is checked on every call, in any order the choices arrive; one problem never hides another. Blocking findings stop the deal; approval findings need a person to sign off; everything else is computed.

1	a 72 month term is above the 60 month maximum for this used vehicle on Illustrative Credit Union tier B.
2	the quoted rate is 250 basis points over the lender buy rate, above the 100 basis point markup limit of Illustrative Credit Union tier B.
3	the amount financed, 24000 dollars, is above 115 percent of the 20000 dollar vehicle value, the loan-to-value limit of Illustrative Credit Union tier B.
4	a credit score of 590 is below the 600 minimum for Illustrative Prime Bank tier C.
5	a used vehicle 7 model years old is older than the 6 years Illustrative Prime Bank tier A accepts.
6	a 2500 dollar cash rebate cannot be combined with a special APR offer on Illustrative Prime Bank tier B.
7	GAP coverage is not eligible because the amount financed, 31500 dollars, is under 80 percent of the 42000 dollar vehicle value.
8	a 1000 dollar manufacturer cash rebate cannot be applied to a used vehicle.
9	a vehicle service contract is not offered with Illustrative Credit Union tier C.
10	a prepaid maintenance plan is not offered with Illustrative Credit Union tier A.
11	F&I products of 6000 dollars are above 15 percent of the 37500 dollar amount financed, the product limit of Illustrative Credit Union tier B.
12	a 929 dollar monthly payment is above 12 percent of 4300 dollars gross monthly income, the payment limit of Illustrative Captive Finance tier C.
13	the quote states 33000 dollars financed, but the validator computes 31500 dollars.
14	a rate markup of 101 basis points is above the 100 a finance manager can set alone; it needs F&I director approval.
15	the amount financed is within 5 percent of the 115 percent loan-to-value limit of Illustrative Credit Union tier B; confirm the vehicle value with the lender.
16	a 610 dollar payment is within 10 percent of the 14 percent payment limit on 4400 dollars gross monthly income; confirm income documentation.