Create a credit product for your customers

What your buyer will estimate

A credit product is the rate sheet a bank gives you: how much it lends, with what down payment, over what terms, at what rate, and for which cars. What you enter here is what your buyers see in “Estimate financing” on your ads.

It's worth getting right: without active products, your cars don't offer an estimate and don't show up with the catalog's “Financing” filter.

To start you need at least one active partner bank, the «Editar perfil de agencia» (“Edit agency profile”) permission, and the bank's rate sheet at hand. The panel is in Spanish, so each text comes with its translation.

Open the form

Go to AjustesMi agenciaProductos aliados (“Settings > My agency > Partner products”) and tap «Nuevo producto» (“New product”). You can also get there from «Productos» (“Products”) on a partner bank's row.

The «Nuevo producto de crédito» (“New credit product”) form is split into sections you go through one at a time: «Producto» (“Product”), «Montos» (“Amounts”), «Plazos y costos» (“Terms and costs”), «Vehículos» (“Vehicles”), «Vista comprador» (“Buyer view”), and «Disponibilidad» (“Availability”).

In «Producto» you choose the «Banco aliado» (“Partner bank”) and type the «Nombre del producto» (“Product name”), the commercial name the bank uses; for example, «Auto Estrene».

Amounts, terms, and costs

«Préstamo mínimo» (“Minimum loan”) and «Préstamo máximo» (“Maximum loan”): the least and the most the bank lends. The maximum isn't a cap on the car's price; if the car costs more, the customer puts the difference into the down payment.
«Enganche mínimo» (“Minimum down payment”): the percentage of the price the customer pays.
«Plazo mínimo» (“Minimum term”) and «Plazo máximo» (“Maximum term”): in months. The maximum can never be lower than the minimum.
«Tasa anual» (“Annual rate”): the rate the bank reports, as a percentage; it isn't the CAT (total annual cost). Type 14.5, not 0.145.
«Comisión de apertura» (“Origination fee”): the percentage charged once on the financed amount.

Which cars qualify and how it looks

In «Vehículos» you decide which cars the product can finance. Empty fields don't restrict anything. If the bank only finances recent used cars, for example, set «Antigüedad máxima» (“Maximum age”) and «Kilometraje máximo» (“Maximum mileage”).

Before saving, check «Vista comprador». In «Así lo verá el comprador» (“This is how the buyer will see it”) you see the product just as your customer will, plus the cheapest car that qualifies. With a minimum loan of 70 thousand pesos and a 20% down payment, an 80 thousand car doesn't qualify: after the down payment, 64 thousand is left, less than the minimum.

Finally, in «Disponibilidad» choose «Disponible» (“Available”) and tap «Crear tabulador» (“Create rate sheet”). You'll see «Producto creado.» (“Product created.”).

Worth remembering

If something is missing, you see «Revisa los campos pendientes antes de guardar.» (“Check the pending fields before saving.”) and the form takes you to the section with the problem.
To change a product, tap «Configurar tabulador» (“Set up rate sheet”) on its row and save. Quotes that were already made keep their numbers.
To stop offering it, choose «Oculto» (“Hidden”) in «Disponibilidad». A product can't be deleted.
A car that doesn't meet the product's rules doesn't see it in its simulator.

Tip

If none of your cars see the product, check three things: the minimum loan, the «Vehículos» rules, and that it's set to «Disponible».