AI debt collection software for auto financing

Industry-leading AI debt collection software for auto financing

The auto loan delinquency solution that drives results

Symend’s debt recovery software is designed to drive real results in the auto finance industry—achieving what traditional collections methods often struggle to deliver. By combining behavioral science with AI, we go beyond basic payment reminders and collections messages. Instead, we engage past-due customers throughout the delinquency cycle and guide them toward proactive financial decisions.

With Symend, auto lenders achieve:

Improved collections performance KPIs

Boost critical metrics—including recovery rates, liquidation rates, roll rates, and time to cure—to maximize collections effectiveness.

Reduced cost to collect

Lower the expenses associated with collections by streamlining processes and focusing resources on high-priority cases.

Decreased charge-offs

Minimize the rate of charge-offs to preserve customer lifetime value (LTV) while improving overall financial outcomes.

From delinquency to good standing with AI

Our AI debt collection software transforms debt recovery from a transactional process into a meaningful engagement experience. Rather than relying solely on reminders, we use AI to assess each customer’s unique situation and needs—and create personalized outreach campaigns that catalyze action on past-due balances. Our approach helps you connect with customers on a deeper level, which encourages positive action and builds trust.

With Symend, auto financing companies can:

Cure customers effectively: Behavioral science-backed messages reach past-due customers at the right time with the right psychological motivators, prompting positive responses.

Reduce roll rates: Our predictive insights enable you to proactively anticipate customers’ needs and minimize the impact of delinquencies before they escalate.

Build lasting customer relationships: Our supportive, personalized approach enhances loyalty, which makes it easier to retain customers over time.

Real-world results for auto lenders

Curious to see how Symend delivers measurable impact? Our case study reveals the real-world outcomes one auto lender achieved with our AI-powered debt recovery solution, including improved cure rates, reduced OpEx, and enhanced customer satisfaction:

  • A 60.6% response rate, with 26.6% of past-due customers self-curing via email links
  • Significantly reduced outbound call volume, freeing up resources and lowering overall costs
  • Increased customer trust and loyalty, transforming collections into a positive experience

Higher cure rates, lower OpEx

Built to maximize efficiency and reduce costs, Symend helps you achieve higher cure rates while lowering operational expenses. Through automated outreach campaigns and self-service options, we empower past-due customers to address their delinquencies on their own. This reduces the need for costly call center interventions, streamlines the collections process—and creates a sustainable, scalable solution.

Key benefits include

  • Increased self-cure rates: By delivering the right message at the right time, we encourage past-due customers to make payments independently. This results in consistently higher self-cure rates.
  • Cost-effective collections: Automated, AI-driven digital outreach reduces the reliance on manual calls and follow-ups, which significantly lowers cost-to-collect.
  • Resource optimization: With fewer resources tied up in outbound calls, your team can focus on high-priority cases, increasing overall recovery rates.

Stop chasing payments—start recovering customers, not just debt

By turning delinquency into an opportunity for connection, Symend Cure helps you engage customers, reduce risk, and improve overall outcomes.