FlockFinance · Refinance

Your customer is going to refinance. The question is whether you're in the conversation.

FlockFinance engages customers at refi eligibility through our lender partner network. The customer sees a dealer-branded offer. You stay connected to a customer you'd otherwise lose to a fintech.

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Where the refi conversation goes today

Refi is invisible to the dealer. Fintechs aren't blind to it.

Your customer hits refi eligibility around month 11. You'd never know. Refi lenders already do.

Refi is invisible to the dealer.

The customer refinances and the dealer never sees it happen. The relationship cools.

Fintechs are pulling the conversation.

D2C fintechs reach the customer before the dealer knows the eligibility window has opened.

Once the loan moves, the dealer relationship moves too.

A fintech holds the loan. The customer's next conversations don't include you or your F&I products. That revenue and engagement disappears.

How FlockFinance works

Three steps. Stay in the conversation that pays.

01

Monitor

FlockMonitor watches refi-eligibility signals — lifecycle events, LTV, rate, term remaining — across your customer file.

02

Engage

FlockEngage reaches out — dealer-branded — with lender-partner offers timed to the eligibility window.

03

Convert

Customer refinances through a lender partner. Dealer gets paid per conversion. Customer stays in the dealer's retained orbit – protected and insured.

Dealer economics

The refi conversation is happening. Now it's yours.

Per-conversion revenue
$300 avg

No chargeback. No F&I disruption. No Lender friction.

Refi is a customer moment. Right now it's somebody else's moment. With Flock, it's yours.
Powered by our partner network

The lenders and originators behind every FlockFinance dealer.

Bank of America
Capital One
Chase
Wells Fargo
Ally
PenFed Credit Union
Navy Federal Credit Union
DCU
Consumers Credit Union
LightStream
OpenRoad Lending
AutoPay
Gravity Lending
Caribou
RateGenius
RefiJet
Tresl
myAutoLoan
LendingClub
Upstart
Auto Approve
Tenet
Carputty
Auto Credit Express
CarsDirect

Our lender partners bring credit depth and dealer-aligned economics. We bring the customer at the moment they're ready.

Nothing changes inside your dealership

No new staff. No new software. No change to your F&I process.

No new staff.

You don't hire anyone. Flock handles the outreach.

No new software.

Nothing to install. Nothing for the desk to learn.

No change to F&I.

The desk runs the way it always has.

See your refi exposure

See which of your customers are inside a refi-eligibility window right now.

Twenty minutes. Your customer file. The refi moments Flock catches — and what they'd earn you.

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