Give dealers a deposit and term from vehicle and applicant data
Dealers send the same deal to several funders, and a bare decline can lose it. Decisimo reads the vehicle and applicant in one decision flow and returns lease terms.
A dealer gets a set of lease terms
One matching row writes the decision, deposit required, longest term and reason, and all four return to the dealer's system. A counter-offer carries a deposit and a term. Every threshold, deposit and term in these screenshots belongs to a demo case.
The vehicle decides the terms as much as the applicant
The Eligibility rule set checks vehicle age at contract end, advance above value, a recorded write-off and outstanding finance. Vehicle age at contract end is the vehicle's age in months plus the contract term in months. The credit bureau and vehicle lookup run together in one data source step, which waits for the slower source. Connect a data source.
Change the terms and see what changed
Every save creates a revision, and two revisions can be compared row by row. A backtest shows how many past decisions a release would change. A new release goes on the same endpoint, so the dealer's system calls the same URL. An endpoint can require sign-off before a release is deployed. See release practice.
A lease to a person is a credit decision
Assessing the creditworthiness of a person is an Annex III high-risk use under the EU AI Act; those obligations apply from 2 December 2027. GDPR Article 22 applies to an automated decline today, and each decision's input and output can be written to the lessor's own Postgres database. Read the governance guidance.
Questions we get asked
What is auto leasing decisioning?
Auto leasing decisioning uses policy rules to assess a vehicle and an applicant and return lease terms. Decisimo runs the vehicle and applicant through one decision flow, returning a decision, deposit required, longest term and reason.
Can a lease policy return a counter-offer with a deposit and term?
A decision table can return a counter-offer with a deposit and a longest term. Its row also writes the reason that goes back to the dealer's system.
What happens when bureau or vehicle data is slow or unavailable?
When a source errors or times out, its values come back absent with an error flag and the decision flow carries on. The rules determine what happens next when a value is missing.
How can a lessor show months later why a customer got those terms?
The lessor can write each decision's input and output to its own Postgres database and browse the record from the portal. Decisimo keeps the decision logic, its revision history and a usage record of each call.
Can requests after the contract starts use the same rules?
Requests such as early termination or a damage claim at return can be worked as a case. The same rule sets, decision tables and decision flows can run as tasks inside it. See case work.
Can a lessor's trained scoring model sit in the decision?
A scoring model trained by the lessor can be uploaded as a Python, R or Julia model. It runs as a step in the decision flow, with rules and cut-offs around it.
Put your lease policy into one decision flow
Start with your own lease policy and define the vehicle and applicant terms it should return.