Lending teams are under pressure to remain competitive while managing risk and adhering to compliance requirements. Yet, most rely on outdated and incomplete datasets when setting rates, modeling LTV, or benchmarking competitors. Traditional data solutions don't provide the real-time, vehicle-specific insight that today's market demands.
Built for modern lending teams, AMRD delivers real-time VIN-level intelligence — structured, weekly, and machine-learning ready. With GAKO AMRD, you can:
Benchmark lease and finance programs across lenders, regions, and credit tiers
Track rate, term, and subvention changes in near real time
Model LTV and residual exposure with fresh, vehicle-specific data
Detect market anomalies before they affect your book
Predict customer behavior and its impact on pricing tactics
Compare Subvented vs. Non-Subvented strategies by lender and vehicle
Create your historical trends to understand customer behavior better
Feed structured data directly into pricing, risk, and underwriting models
Optimize loan pricing & positioning with real-time VIN-level analytics
Benchmark lender programs by region, credit tier, and term
Track competitive payments across nameplates and geographies
Strengthen risk & fraud detection with vehicle-specific trend analysis
Understand payment behavior across Prime, Non-Prime, and Sub-Prime segments
Enable internal AI/ML models with clean, structured weekly feeds
Deliver market intelligence to OEM and Captive teams for strategic alignment
VIN, series, trim, and style
ZIP, DMA, regional.
Weekly, mid-month, or custom
Lending segmentation (Prime, Non-Prime, Sub-Prime)
Let's talk about how GAKO can help you power more innovative lending strategies, from risk modeling to rate-setting.