For quite some time, banks, credit unions, lenders and even automotive dealers themselves have been discussing the need for more consumer-facing online shopping and borrowing options. Considering the current pandemic landscape we are all facing, it seems the automotive industry recognized the need for intelligent processing procedures before those in various vertical markets. While many were discussing the need for more sophisticated lending solutions, very few were acting on implementation. However, there are several tools available to lenders to simplify the lending process and help pivot strategy in times of economic uncertainty or a shift in shopping habits. For those lenders that feel they are at risk of losing borrowers to more established competitors, it is more important than ever before to take action.