AI Platform to Auto Lending Companies
Most auto loan defaults are recoverable. Your collections process doesn't know that yet.
Moveo connects your support, AR, and collections teams so every agent acts on the full borrower picture, not just what their own system shows.
Trusted by leading financial institutions
19x ROI
on AI collections
+76%
increase in debt recovery vs. legacy chatbots
29%
of past-due payments collected within 10 days
Results from the field
Validated on accounts considered unrecoverable.
We collected over €100,000 faster than ever, achieved a 6.88% average payment rate, and saw 29% of payments completed within just 10 days. With a 19x ROI, Moveo.ai didn't just improve our process, it redefined our collections strategy and proved that even the most difficult customer journeys can lead to measurable success.
What Moveo delivers
Full borrower lifecycle context across teams.
Every signal is captured in real time, every action governed by your policies, and the next best move decided automatically.
When a borrower requests hardship, servicing already knows the history. When support sees a payment promise, collections holds the escalation.
Always-on memory
Cross-team
Real-time
TrueThread
Policy enforced, actions logged
Actions check against your frameworks, fire, and log with a trace ID. Regulator-ready everywhere.
TruePath
Every channel, same memory
TrueThread keeps memory continuous while TruePath checks the policy, on any channel.
Compounding intelligence
Every conversation sharpens the next. Patterns connect and the system grows smarter with each interaction.
Channels and integrations
Wherever the borrower reaches out.
One memory behind it all.
Voice
AI-assisted collections calls, payment plan negotiation, and smart handoff with full loan and dispute context already loaded
Web Chat
Borrower portal and corporate website with real-time account status, open claims, and payment history available at every interaction
Mobile App
In-app payments, deferral requests, and self-service account management for borrowers who prefer to resolve on their own terms
Email & SMS
Payment reminders, hardship outreach, and delinquency alerts across the 30 to 90-day window, timed by borrower behavior and account context
Social & Messaging
Facebook Messenger and SMS-based messaging for borrowers who respond faster outside traditional contact hours
Integrates with your existing systems
Moveo connects to your LMS, CRM, and communication platforms via API. No migration required.
Already using a loan management or servicing platform not listed? Moveo connects via API. Most lenders are live in weeks, not quarters.
See it across thousands of loan accounts.
Book a 30-minute session. We'll walk through the auto loans scenarios that map to your operation, from hardship request to late payment recovery, not a generic demo.
FAQs
What's the difference between a chatbot and an AI agent built for auto lending?
A chatbot follows a fixed script: it sends messages and escalates on non-response, with no memory of prior interactions or other departments. A collections AI agent maintains persistent borrower memory, reasons across all prior interactions, and takes governed actions according to your policy: pausing escalation on an active GAP claim, offering a deferral within your criteria, or flagging a dispute before issuing a repossession notice. Most failed AI pilots in auto lending used chatbots. The distinction matters.
Can AI reduce repossession rates by improving early-stage recovery?
Yes. Most repossessions are preceded by weeks of missed outreach opportunities. AI agents act on every account in the 30 to 90-day window, identifying borrowers who need a deferral, a dispute resolved, or a clear payment path, before accounts reach the repossession threshold. Lenders using Moveo consistently see repossession rates fall as early-stage resolution rates rise.
How does AI reduce auto loan charge-offs?
Most preventable charge-offs involve accounts that could have resolved in the 30 to 90-day window but didn't receive the right outreach in time. Capacity constraints mean human teams triage by account size or days-past-due, while AI agents act on every account simultaneously. Early-stage resolution, before accounts age to charge-off, is where AI has the highest measurable impact.
Can AI agents ensure CFPB and FDCPA compliance in auto loan collections?
Yes. AI agents apply compliance rules consistently at scale: call frequency limits, time-of-day restrictions, required disclosures, and opt-out handling, without the variability of human agents. Purpose-built auto lending platforms also enforce state-specific repossession notice requirements and cure period rules, which differ significantly across states and are a growing area of enforcement risk.
What kind of ROI should we expect from deploying AI in auto loan collections?
Results vary by portfolio composition and deployment scope, but published deployments show 19x ROI on delinquent accounts, 29% of payments completed within 10 days of first contact, and six-figure recoveries on accounts previously marked as unrecoverable. Most lenders see meaningful improvement within the first 90 days of a single use case deployment.