Vehicle purchasing tools

Abstract

A system for providing a vehicle purchasing tool is disclosed. The system may include one or more memory devices storing software instructions. The system may also include one or more processors configured to execute the software instructions to receive a pre-qualification application, the pre-qualification application including customer-identifying information, access a vehicle inventory associated with a dealership, and identify vehicle information associated with at least one vehicle for sale at the dealership based on the pre-qualification application. The one or more processors may be further configured to execute the instructions to determine a pre-qualified offer based at least on the customer-identifying information and the vehicle information, the pre-qualified offer including a first loan term, and provide the pre-qualified offer and the vehicle information to a client device for display as part of the pre-qualified offer in conjunction with the vehicle information.

What is claimed is: 
     
         1 . A system for providing a vehicle purchasing tool, the system comprising:
 one or more memory devices storing software instructions; and   one or more processors configured to execute the software instructions to:
 receive a pre-qualification application, the pre-qualification application including customer-identifying information; 
 access a vehicle inventory associated with a dealership; 
 identify vehicle information associated with at least one vehicle for sale at the dealership based on the pre-qualification application; 
 determine a pre-qualified offer based at least on the customer-identifying information and the vehicle information, the pre-qualified offer including a first loan term; and 
 provide the pre-qualified offer and the vehicle information to a client device for display as part of the pre-qualified offer in conjunction with the vehicle information. 
   
     
     
         2 . The system of  claim 1 , wherein the one or more processors are further configured to:
 transmit, to the client device, an advertisement inviting a user of the client device to submit a pre-qualification application;   wherein the received pre-qualification application is received from the client device.   
     
     
         3 . The system of  claim 1 , wherein the one or more processors are further configured to:
 transmit the customer-identifying information to a third-party system; and   receive, from the third-party system, information related to a level of risk associated with the customer-identifying information;   wherein determining the pre-qualified offer is based at least in part on the received information related to the level of risk.   
     
     
         4 . The system of  claim 3 , wherein transmitting the customer-identifying information to the third-party system includes transmitting a request for risk information associated with the customer-identifying information, wherein the request includes an indication that the request is part of a pre-qualification process. 
     
     
         5 . The system of  claim 1 , wherein identifying vehicle information includes receiving an indication of one or more vehicles a customer associated with the customer-identifying information is considering purchasing. 
     
     
         6 . The system of  claim 1 , wherein the one or more processors are further configured to:
 receive a loan application from a dealership system;   match the loan application to the pre-qualified offer;   determine a loan offer based at least on information in the loan application, the loan offer including a second loan term;   replace the second loan term with the first loan term in modified loan offer; and   provide the modified loan offer to the dealership system.   
     
     
         7 . The system of  claim 1 , wherein the one or more processors are further configured to:
 receive a request from the client device to modify the first loan term;   determine a modified pre-qualified offer based at least on the pre-qualified offer and the modified first loan term; and   provide the modified pre-qualified offer to the client device.   
     
     
         8 . A method for providing a vehicle purchasing tool, the method comprising the following steps performed by one or more hardware processors:
 receiving a pre-qualification application, the pre-qualification application including customer-identifying information;   accessing a vehicle inventory associated with a dealership;   identifying vehicle information associated with at least one vehicle for sale at the dealership based on the pre-qualification application;   determining a pre-qualified offer based at least on the customer-identifying information and the vehicle information, the pre-qualified offer including a first loan term; and   providing the pre-qualified offer and the vehicle information to a client device for display as part of the pre-qualified offer in conjunction with the vehicle information.   
     
     
         9 . The method of  claim 8 , further comprising:
 transmitting, to the client device, an advertisement inviting a user of the client device to submit a pre-qualification application;   wherein the received pre-qualification application is received from the client device.   
     
     
         10 . The method of  claim 8 , further comprising:
 transmitting the customer-identifying information to a third-party system; and   receiving, from the third-party system, information related to a level of risk associated with the customer-identifying information;   wherein determining the pre-qualified offer is based at least in part on the received information related to the level of risk.   
     
     
         11 . The method of  claim 10 , wherein transmitting the customer-identifying information to the third-party system includes transmitting a request for risk information associated with the customer-identifying information, wherein the request includes an indication that the request is part of a pre-qualification process. 
     
     
         12 . The method of  claim 8 , wherein identifying vehicle information includes receiving an indication of one or more vehicles a customer associated with the customer-identifying information is considering purchasing. 
     
     
         13 . The method of  claim 8 , further comprising:
 receiving a loan application from a dealership system;   matching the loan application to the pre-qualified offer;   determining a loan offer based at least on information in the loan application, the loan offer including a second loan term;   replacing the second loan term with the first loan term in modified loan offer; and   providing the modified loan offer to the dealership system.   
     
     
         14 . The method of  claim 8 , further comprising:
 receiving a request from the client device to modify the first loan term;   determining a modified pre-qualified offer based at least on the pre-qualified offer and the modified first loan term; and   providing the modified pre-qualified offer to the client device.   
     
     
         15 . A non-transitory computer readable medium storing instructions that, when executed by one or more hardware processors, configures the one or more hardware processors to perform operations comprising:
 receiving a pre-qualification application, the pre-qualification application including customer-identifying information;   accessing a vehicle inventory associated with a dealership;   identifying vehicle information associated with at least one vehicle for sale at the dealership based on the pre-qualification application;   determining a pre-qualified offer based at least on the customer-identifying information and the vehicle information, the pre-qualified offer including a first loan term; and   providing the pre-qualified offer and the vehicle information to a client device for display as part of the pre-qualified offer in conjunction with the vehicle information.   
     
     
         16 . The non-transitory computer readable medium of  claim 15 , the operations further comprising:
 transmitting the customer-identifying information to a third-party system; and   receiving, from the third-party system, information related to a level of risk associated with the customer-identifying information;   wherein determining the pre-qualified offer is based at least in part on the received information related to the level of risk.   
     
     
         17 . The non-transitory computer readable medium of  claim 16 , wherein transmitting the customer-identifying information to the third-party system includes transmitting a request for risk information associated with the customer-identifying information, wherein the request includes an indication that the request is part of a pre-qualification process. 
     
     
         18 . The non-transitory computer readable medium of  claim 15 , wherein identifying vehicle information includes receiving an indication of one or more vehicles a customer associated with the customer-identifying information is considering purchasing. 
     
     
         19 . The non-transitory computer readable medium of  claim 15 , the operations further comprising:
 receiving a loan application from a dealership system;   matching the loan application to the pre-qualified offer;   determining a loan offer based at least on information in the loan application, the loan offer including a second loan term;   replacing the second loan term with the first loan term in modified loan offer; and   providing the modified loan offer to the dealership system.   
     
     
         20 . The non-transitory computer readable medium of  claim 15 , the operations further comprising:
 receiving a request from the client device to modify the first loan term;   determining a modified pre-qualified offer based at least on the pre-qualified offer and the modified first loan term; and   providing the modified pre-qualified offer to the client device.