Payoff Upgrade Program
End high-rate loans early and capture trades with our credit-file, data-driven direct mail. We target customers with open auto loans 1–6 months remaining or 90% paid through, turning equity into sales.
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Targets loans 1–6 months from payoff
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Reaches customers 90% or more paid through
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Delivers pre-qualified offers backed by our lending partner
What the Customer Sees
Every Payoff Upgrade Program mailer is personalized with real loan details pulled from the credit file. That transparency builds instant credibility and drives action.
Each piece shows:
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Months remaining on the loan
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Current monthly payment
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Current APR
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Current balance on the auto account
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Pre-qualified credit range ($7,500–$75,000)
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A clear payoff offer with dealership contact via IVR line, PURL, and QR code
How it Works:
Step 1 – Targeting: Credit-file data identifies equity-rich, near-payoff customers.
Step 2 – Personalization: Each piece displays real loan balance and payoff opportunity.
Step 3 – Response capture: Calls, PURLs, QR scans, and texts all tracked.
Step 4 – Conversion: Customers bring in their vehicles, trade or refinance, and leave in a newer car.
Why Dealers Choose PUP:
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Generates qualified trade-ins while selling new or newer cars.
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Moves equity-rich customers before they shop CarMax or Carvana.
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Creates refinance opportunities when upgrading isn’t the fit.
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No dealer contract required, backed by our lending partner.
Payoff Upgrade Program FAQs
Is this FCRA compliant?
Yes. The Payoff Upgrade Program uses prescreened credit data under FCRA guidelines and includes the required firm offer and opt-out language.
Do I need a lender contract?
No. Offers are backed by our lending partner, so you can launch without a separate dealer contract.
What makes this different from a generic dealership mailer?
Most mailers invite “anyone” to trade in, whether they qualify or not. PUP is precise. Each piece shows the customer’s months remaining, current payment, APR, and balance, plus a pre-qualified offer. That level of detail makes the offer real and drives higher conversions.
How fast can we launch?
Targeting and creative are ready in 3–7 business days once your market is approved.
What’s the minimum order?
5,000 pieces recommended for reliable response and ROI.
Can this integrate with digital channels?
Yes. Add email, social, or CTV targeting to the same list. All responses roll into one report for tracking.
What do dealers gain besides sales?
Qualified trade-ins, refinance opportunities, and the chance to win customers before they shop online-only players and blasted with 3rd party platforms.
