Stop losing car finance leads to slow response times
AI agents that text every new applicant within seconds, hold a real conversation about their finance options, and book them onto a call with your sales team. Day, night, weekends, holidays.
The first lender to reply usually wins
A customer fills in your finance application at 10pm. By the time your team rings them at 9:30am the next morning, they have already submitted two more applications to your competitors. Whoever reached out first with a real human conversation closes the deal.
Your sales team cannot be on the phone 24/7. They cannot follow up three times when a customer goes quiet, then reschedule the missed callback, then send a polite "we are still here when you are ready". They should not have to. That work is the same shape every time, and it is exactly what an AI agent is good at.
Custom AI sales agents for your finance product
Not a chatbot widget. An autonomous system that owns the first stretch of every conversation and hands warm bookings to your AEs. Built for your finance product, your tone, your CRM, and your regulator.
Sub-minute first response
Outbound SMS or WhatsApp goes out within seconds of a new application landing in your CRM. Whether the trigger is Salesforce, a Zapier webhook, your DMS, or a custom form on your site.
Real conversation, not scripts
Built on Claude and GPT, fine-tuned on real car finance dialog. The agent answers questions about monthly payments, approval timelines, what cars you can finance, and gets the customer comfortable enough to book a call.
Smart callback booking
Understands "call me Friday after 3pm", "any time tomorrow morning", or "can someone ring me right now?" and books the right slot inside your team's working hours. Call-now requests route through a priority queue that rings the team immediately.
Quiet, persistent follow-up
If a customer stops replying, the agent re-engages on day 1, day 2, and day 4 with new angles, then steps back. No badgering. Customers who ask to stop are removed in seconds, across every channel.
Missed-call recovery
When a customer misses a booked callback, the agent reaches out to reschedule. After two misses, it hands the case cleanly to a human with full conversation context.
Pre-call briefings for the sales team
Right before a booked call, the agent posts a fresh summary of the conversation into Slack or your CRM. The AE walks in knowing the customer's situation, their preferred car, and what they already said yes to.
Compliance, by design
STOP requests, do-not-contact lists, FCA wording requirements (UK), TCPA compliance (US), and DPDP compliance (India) are honored at the platform level. Not added later as a patch.
This is the pattern we built for ChooseMyCar. Cloei engages every new lead in under a minute, runs 24/7, and the sales team only speaks to customers who have already agreed to a call. We shipped the first version in three weeks.
Read the Cloei case study →A modern stack, picked for the job
Four steps. Built to move fast.
Scope
30-min intro, then a written 1-page scope you can say yes/no to.
Design
Lo-fi to hi-fi design in days, not weeks. You see real screens fast.
Build
Hand-picked team builds in tight loops with daily updates.
Ship
Production deployment + handoff doc + 2-week support window.
Things you are probably wondering
Will customers know they are talking to an AI?
You choose. Some clients introduce the agent transparently ("Hi, I am Cloei from [dealer name], an AI assistant"). Others use a human-style name without explicit disclosure. Both are legally defensible in most jurisdictions but we will walk you through what your regulator allows before you decide.
What CRMs and DMS do you integrate with?
Salesforce, HubSpot, Zoho, DealerSocket, vAuto, ELEAD, and most custom systems via webhook or REST API. If your CRM has an integration surface, we can connect to it.
How long does it take to go live?
A first version typically ships in 3 to 4 weeks if your CRM is ready and you have defined your finance products. Faster if we are adapting the Cloei pattern directly for your team rather than starting from scratch.
What happens if the AI gets a question wrong?
Every conversation has a confidence threshold. Below it, the agent says "let me check with a colleague" and routes to a human. For the first two weeks of live traffic we review every escalation together and tune the threshold to your conversation patterns.
Can you run it on our existing Twilio or MessageBird account?
Yes. We use your existing carrier account or set up a new one, your call. We do not lock you into a specific provider.
Do you handle WhatsApp Business API approval and templates?
Yes. We submit your business for Meta verification, design the message templates, get them approved, and handle the 24-hour session window logic so you do not have to think about it.
What happens if a customer asks something the AI should not answer, like quoting an exact APR?
The agent is configured to never quote rates, APRs, or approval decisions. It guides the customer to a human who can. Same goes for affordability assessments and anything regulated.
Want to see what your car finance agent could do?
A 30-minute intro and a one-page scope. We can usually tell you in the call whether this fits your pipeline.