Auto leasing decision engine for vehicle and applicant

Dealers send the same deal to several funders, and a bare decline loses it. Decisimo runs vehicle and applicant through one policy that returns terms.

Start free See the decision stages

One leasing policy returns terms to the dealer

Dealer response

One call returns a decision, deposit, longest term and reason

Counter-offers

Three of six rows return a deposit and a term

Age at contract end

Older vehicles get shorter terms and larger deposits

Policy changes

The risk team releases a changed table to the dealer’s same URL

Backtest count

A release runs over past decisions and counts those that change

Lookup errors

Absent values carry an error flag, and the rules determine what follows

A lease deal, from the dealer's call to a set of terms

  1. Dealer call

  2. Bureau and vehicle lookup

  3. Vehicle calculations

  4. Eligibility knock-outs

  5. Lessee risk score

  6. Leasing terms

  7. Compare and release

The dealer gets terms, not a bare decline

  • One matching rowThe caller gets a decision, required deposit, longest term and reason
  • Counter-offerThree of six rows include a deposit and a term
  • Vehicle ageOlder vehicles get shorter terms and larger deposits rather than declines
Leasing terms decision table shows rows returning decisions, deposits, terms and reasons based on score and vehicle age
Leasing terms uses six rows to return a decline, approval or counter-offer with a deposit, term and reason.

The vehicle is part of the policy

  • Vehicle and dealThey cover age at contract end, value, mileage, write-off and finance
  • Age at returnA three-year-old car on a five-year contract comes back at eight years old
  • Advance to valueAn editor formula divides price minus deposit by the valuation
Eligibility rule set lists knock-outs for vehicle age, advance, mileage, write-off, finance, arrears and clear status
Eligibility applies seven rules, from Vehicle too old at contract end to Clear of the knock-outs.

Change the terms and compare before release

  • Revision historyCompare two saves with added, modified and deleted rows.
  • BacktestRun a release over past decisions to see how many would change
  • Same endpointThe dealer's system keeps its URL. An endpoint can require sign-off first
Leasing terms revisions #2 and #3 compared, with added and modified rows highlighted in the decision table
Revisions #2 and #3 show two added rows and two modified rows in Leasing terms.

After the contract starts

  • Work as a caseEarly termination and damage at return wait on an inspection or a person.
  • Case tasksCase intake opens it, and decision flows run inside as tasks.
  • Lessor's modelUpload a Python, R or Julia model to run with the lessor's cut-offs.

Case work after the contract

EU AI Act and GDPR Article 22 for lease decisions

  • EU AI ActVehicle creditworthiness is Annex III high-risk from 2 December 2027
  • GDPR Article 22It applies to an automated decline today
  • Decision recordsInputs and outputs can be written to the lessor's Postgres and browsed

Read the governance details

What stays with the lessor

  • Demo figuresAll figures shown belong to the demo case
  • Lessor's policyDecisimo runs it on data the lessor supplies
  • Residual valuesThe lessor sets them and prices the lease

Questions we get asked

What is an auto leasing decision engine?

An auto leasing decision engine applies a lessor's policy to a vehicle and applicant to return lease terms. Decisimo runs the lookups and the lessor's policy in one decision flow, which returns the terms.

Why can an older vehicle get a counter-offer?

The Leasing terms table reads vehicle age at contract end as well as lessee score. Its older-vehicle rows set a shorter term and larger deposit instead of declining.

Can the same approach cover other consumer lending?

Decisimo's decision flows can run credit policies beyond vehicle leasing. See consumer lending.

Put your leasing terms into one policy

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