Smarter, AI-native debt collection solutions for automotive
C&R Software offers an automotive debt collection software that builds loyalty while efficiently and effectively collecting outstanding debt.
Optimize auto finance portfolios with predictive analytics
The convergence of record-high prices, extended loan terms, elevated interest rates, and weakening household finances has created a debt spiral that only AI and latest technology can properly address.
This perfect storm of factors has created a financial time bomb that threatens millions of borrowers and signals broader economic vulnerability.
Challenge
Record breaking delinquencies and repossessions
Recent data tells us, 7% of subprime auto borrowers are at least 60 days past due, the highest level since Fitch Ratings began collecting data in 1994. This represents a dramatic escalation from the 3% rate seen in May 2021.
Challenge
Complexities of auto finance and debt management
The servicing side is easy. The hard work begins when you get into the details. We support the full customer lifecycle, every step of the way from auto financing to debt management to repossession.
Challenge
Driving value with Agentic AI
AI is always changing. Our agentic framework evolves with technology, rather than tying you to a stagnant solution. FitLogic rules-based decisioning acts as your guardrail, keeping you transparent, explainable, and highly auditable.
Cloud Native
Real Time Analytics
Built for configuration, not customization
AI Native
End-to-end collections and recovery
Open Architecture
Evolving Systems
Reporting and Dashboarding
Compliance Assurance
Digital Communications
Harness the power of cloud native technology for seamless deployment, scalability, and speed.
- Features that deliver
Cloud Native
Harness the power of cloud native technology for seamless deployment, scalability, and speed.
- Features that deliver
Real Time Analytics
Optimize and improve decision making across the board.
- Features that deliver
Built for configuration, not customization
Our domain expertise lets you shape the software to your business, not the other way around.
- Features that deliver
AI Native
Built with AI at the core, not bolted on as an afterthought, for smarter decisions and better outcomes.
- Features that deliver
End-to-end collections and recovery
Unlike generic CRMs, we’re built to handle the complexity of collections, where no two cases are the same.
- Features that deliver
Open Architecture
Built on a modern, secure tech stack for fast, configurable integrations across your ecosystem.
- Features that deliver
Evolving Systems
Never end-of-life, always evolving. Our technology continuously adapts to keep you ahead of tomorrow’s challenges.
- Features that deliver
Reporting and Dashboarding
Interact with your data using natural language to gain insights, produce dashboards and reports.
- Features that deliver
Compliance Assurance
Link directly to regulations and internal policies to stay aligned, automated, and audit ready.
- Features that deliver
Digital Communications
Meet customers where they are, every channel, every time, with consistent, seamless engagement that drives results.
Streamline automotive debt collection with agentic AI
One bot verifies the VIN, another pulls detailed vehicle data from Kelley Blue Book, Edmunds, CarFax and other resources, to assess condition and history. A valuation bot estimates resale value, and another bot identifies the best repo agent.
Another bot determines reconditioning cost should the vehicle get sent to an auction house, or to the borrower should they become current with their payments, for example. This group of AI bots works together in a synchronized fashion to deliver a fast, private, and highly efficient recovery process.
Proven results
“We’re constantly communicating with our vendors and readily sharing information to improve collections performance.”
“When customers are at risk of losing their mode of transportation, we take it seriously. Identifying those at risk and understanding how to manage the repossession process right is key for us.”
Check out what else we offer
FitLogic
Better decisioning everywhere
Transform complex data into smarter decisions across the credit lifecycle with a powerful, business-friendly decision engine.
Debt Manager
All-in-one collections solution
Streamline your collections process with an industry-leading solution that automates workflows and maximizes productivity and improves collections.
Zelas AI
For Debt Manager
Intelligent collections powered by AI
Optimize every customer interaction with AI-powered insights that increase efficiencies and drive better outcomes.
FitLogic
Better decisioning everywhere
Transform complex data into smarter decisions across the credit lifecycle with a powerful, business-friendly decision engine.
Debt Manager
All-in-one collections solution
Streamline your collections process with an industry-leading solution that automates workflows and maximizes productivity and improves collections.
Zelas AI
For Debt Manager
Intelligent collections powered by AI
Optimize every customer interaction with AI-powered insights that increase efficiencies and drive better outcomes.
Intelligent auto portfolio management
In the US alone, total auto loan debt has ballooned to an unprecedented $1.64 trillion as of early 2025, surpassing student loan debt to become the second largest category of consumer debt after mortgages. This massive debt load reflects Americans’ increasing reliance on financing to purchase vehicles whose average prices have soared past $49,000.
The debt crisis is particularly acute among younger borrowers, with those under 40 experiencing the steepest increases in vehicle-related debt, up 41% since 2019 to an average of $24,000. Many borrowers are now trapped in cycles of negative equity, owing more on their loans than their vehicles are worth, with over half of used car loans carrying loan-to-value ratios exceeding 120%.
The roots of this crisis trace back to pandemic era lending practices when financial institutions loosened credit standards and vehicle prices skyrocketed due to supply chain disruptions. As pandemic relief measures ended and inflation persisted, borrowers found themselves struggling with higher monthly payments—averaging $745 for new vehicles and $521 for used cars—while facing elevated costs for essentials like housing and food.
The auto debt crisis serves as a canary in the coal mine for broader economic distress. A global deterioration in payment performance, combined with rising repossession rates and mounting negative equity, threatens to create ripple effects throughout the economy, potentially impacting everything from housing markets to broader consumer spending patterns.
Industry experts warn that these challenges could rival the impact of previous financial crises, signaling the dream of car ownership has become a financial nightmare for millions.
It’s more important than ever to understand the importance of a smart debt collections solution and the role agentic AI plays in managing delinquent car loans.
- 62countries with active clients
- $8 trillion+managed worldwide
- 20industries supported, more than any other provider
Frequently asked questions
Debt Manager includes sophisticated early intervention capabilities designed specifically for auto finance. The automotive debt collection system uses predictive analytics to identify accounts at risk of progressing to repossession and triggers proactive outreach strategies. When customers make last-minute payments, real time integration with repossession vendors immediately cancels pending repossession orders, preventing unnecessary vehicle recovery. Additionally, the platform’s decision engine helps evaluate alternative solutions for customers experiencing temporary hardship, such as extension programs or modification options that can prevent repossession while supporting eventual repayment.
Yes, Debt Manager provides comprehensive remarketing management capabilities. The system tracks vehicles from repossession through sale, managing key activities like condition reporting, transportation logistics, reconditioning, auction scheduling, and sale documentation. The automotive debt collection platform integrates with major auction platforms and can incorporate vehicle valuation services to optimize remarketing decisions. Post-sale, the system automatically calculates proceeds application, deficiency balances, and any surplus funds due to customers, ensuring accurate accounting and compliance with state-specific requirements.
Debt Manager includes a robust compliance framework specifically designed for the complex regulatory requirements of auto finance. The debt collection system for automotive automatically applies state-specific rules based on customer location, including variations in notice requirements, right to cure provisions, redemption periods, and post-repossession obligations. Workflow controls prevent non-compliant actions, while document generation features create state-specific forms with appropriate language and disclosures. The platform continuously updates these regulatory frameworks as requirements change, ensuring ongoing compliance while reducing operational risk.