A digital-first F&I brokerage — connecting customers, dealers, banks, and insurers on a single API-driven platform.
Customers endure days of paperwork, dealers lose revenue to friction, and banks face high origination costs. Nobody wins.
One platform connecting the entire financing journey — from instant pre-approval to integrated insurance, with a target of 48-hour turnaround.
Customers get financing approval before they even select a specific vehicle — eliminating the anxiety of the traditional process.
Connected to Credit Bureau, Ministry of Interior, and 20+ financial institutions via APIs — automating what used to be manual.
Real-time monthly payment calculations with competitive comparison across products — transparency that builds trust.
The used car market is 7-8x larger than the new car market, with even lower F&I penetration. Only 4 major players control 85% of the market — all running legacy models.
No one has built a digital-first platform for automotive F&I in the region. No focused near-prime/subprime player exists in consumer automotive finance. Banks’ rising origination costs create natural demand for a platform aggregator.
Born from dealership experience — WAG understands F&I operations deeply, not just banking APIs.
AutoData’s vehicle intelligence enables better pricing, valuation, and risk assessment.
FastTrack/ExpressFit network provides physical touchpoints and customer relationships.
Revenue from good customer outcomes, not advertising manipulation.
Aftermarket data feeds better risk models; F&I products sold inside the service journey.
This becomes the embedded-finance layer across the entire WAG ecosystem — evolving in three stages.
Commissions on transactions
Transaction fees at scale
Holding paper, issuing directly