Structure F&I deals with real lender rate sheets. Practice credit tier analysis, rate markup, and profit optimization on every deal.
What you'll learn
✓ Read and analyze credit bureaus
✓ Credit tier classification (Tier 1-5)
✓ Buy rate vs sell rate & reserve
✓ Structuring subprime and prime
✓ Lender selection & rate sheets
✓ Maximizing back-end profit
Deal simulator
Test your knowledge with a sample compliance question from our training modules.
What you'll learn
✓ TILA / Regulation Z disclosures
✓ ECOA / Regulation B (equal credit)
✓ FCRA and Red Flags Rule
✓ Gramm-Leach-Bliley (privacy)
✓ Adverse action notices
✓ Magnuson-Moss Warranty Act
Sample question1 of 12
Under the Equal Credit Opportunity Act (ECOA), which is a prohibited basis for denying credit?
ACredit score below lender minimum
BInsufficient income to support the payment
CApplicant's marital status✓
DNegative payment history on credit report
Our training walks you through every step of submitting a credit application, from customer interview to lender approval.
What you'll learn
✓ RouteOne credit app submissions
✓ DealerTrack deal structuring
✓ CDK Global DMS navigation
✓ Reading and analyzing Experian reports
✓ Handling lender stipulations
Credit app submission flow
✓
Customer interview
Collect applicant information, employment, residence
✓
Pull credit bureau
Experian, TransUnion, or Equifax via RouteOne
✓
Structure the deal
Select lenders, set rate markup, choose term
▶
Submit to lenders
Shotgun to multiple banks via RouteOne / DealerTrack
5
Review approvals & stips
Compare offers, handle stipulations
6
Print contracts & fund
Generate docs, collect signatures, submit for funding
After completing all 12 modules, you take a comprehensive certification exam. Score 80% or higher to receive your official F&I diploma that never expires.
What you'll earn
✓ Official F&I Certification diploma
✓ Permanent certification number
✓ Physical plaque mailed to you
✓ Never expires, no renewals
✓ Independently verifiable online
✓ Valid in all 50 states & Canada
Exam covers all 12 modules
F&I BasicsSelling ProductsMenu PresentationComplianceClosing TechniquesLeasingPsychologyDMS Systems
Your diploma is permanent. Once you pass, your F&I certification and license number never expire. No annual renewals or continuing education fees.
Pull credit, read Experian / TransUnion / Equifax reports, identify tradelines, spot derogatory marks, and determine which lenders will approve.
What you'll learn
✓ How to pull and analyze credit
✓ Reading all three bureau reports
✓ Identifying tradelines & history
✓ Spotting derogatory marks
✓ Debt-to-income calculations
✓ Matching profiles to lenders
Sample credit report
JOHN A. CUSTOMER
SSN ***-**-4821 · DOB 03/15/1988
TRADELINES
Auto Loan · Capital One
Opened 06/2022 · Installment
Visa · Chase
Opened 01/2019 · Revolving
Student Loan · Navient
Opened 08/2016 · Installment
Collection · Regional Medical
Reported 11/2023 · Collection
Lender match: Tier 2 profile. Best options Chase Auto, Capital One, or Ally at 5.4-6.9% buy rate on 72 months. Medical collection may require a payoff stip.
Our Career Development team personally calls dealerships in your area, advocates for you by name, and schedules interviews on your behalf. You are not doing this alone.
What you get
✓ We call dealerships for you
✓ They advocate for you by name
✓ Interviews scheduled for you
✓ Professional F&I resume built
✓ Mock interview preparation
✓ Ongoing support after placement
Active openingsLive near you
Honda of Rochester · Rochester, NY
💰 $80K-$140K📍 On-site🕐 Full-time
West Herr Auto Group · Buffalo, NY
💰 $120K-$200K📍 On-site🕐 Full-time
F&I Associate (Entry Level)
Grads WelcomeHendrick Automotive · Charlotte, NC
💰 $60K-$100K📍 On-site🕐 Full-time
