Enova Decisions enables auto lenders and financiers to create optimal deal structures that balance customer experience with risk and profitability in a regulatory-compliant manner. Leveraging our expertise in nonprime underwriting, we augment historical first-party and traditional credit data with best-in-class alternative credit data to develop machine learning models to more accurately predict willingness to pay and likelihood of acceptance to offer dynamic leasing and financing terms that maximize originations while maintaining return on assets. Customers receive the offers they want, when they want them, while auto lenders and financiers can grow their portfolios profitably.
Make more precise credit decisions.
Optimize offers to maximize profitability.