Abstract: Systems and methods are provided for enabling a dealer to configure a plurality of financing plans for a vehicle purchase by a buyer. A first interest rate is determined for a first financing plan for the purchase without any products. A selection of products to be purchased is accepted and the expected profits from their sale is determined, and a second interest rate for a second financing plan for the vehicle purchase with the products is determined, wherein the second interest rate is lower than the first interest rate. The system accepts a profit setting representing a portion of the expected profits that can be applied to lower the interest rate and facilitate the second financing plan for the purchase with the second interest rate.

Abstract: Systems and methods are provided for enabling a dealer to configure a plurality of financing plans for a vehicle purchase by a buyer. A first interest rate is determined for a first financing plan for the purchase without any products. A selection of products to be purchased is accepted and the expected profits from their sale is determined, and a second interest rate for a second financing plan for the vehicle purchase with the products is determined, wherein the second interest rate is lower than the first interest rate. The system accepts a profit setting representing a portion of the expected profits that can be applied to lower the interest rate and facilitate the second financing plan for the purchase with the second interest rate.

Abstract: Systems and computer-implemented methods are provided to determine recurring loan payments for a financing plan. The system is configured to determine a predetermined interest rate based on a comparison of the expected profits to configurable threshold profit levels; and compute a value for the recurring loan payments based on the initial loan amount, the predetermined interest rate and the predetermined term and frequency of payments. A new interest rate may be computed in response to receiving an interest rate buy down activation from a user device, wherein a portion of the expected profits is applied to buy down the interest. Comparative financing plans are generated including and excluding the sale of products wherein loan parameters and interest rates are adjusted so that the loan payments for a first financing plan are the same as or within a configurable range of the loan payments for a second financing plan.

Abstract: Systems and computer-implemented methods are provided to determine recurring loan payments for a financing plan. The system is configured to determine a predetermined interest rate based on a comparison of the expected profits to configurable threshold profit levels; and compute a value for the recurring loan payments based on the initial loan amount, the predetermined interest rate and the predetermined term and frequency of payments. A new interest rate may be computed in response to receiving an interest rate buy down activation from a user device, wherein a portion of the expected profits is applied to buy down the interest. Comparative financing plans are generated including and excluding the sale of products wherein loan parameters and interest rates are adjusted so that the loan payments for a first financing plan are the same as or within a configurable range of the loan payments for a second financing plan.