Auto Finance Sense
Auto Finance Sense
Educating Members. Training Credit Union Teams. Growing your Auto Loans.
 

Your Members are getting approved…But financing at the dealership Instead

I help credit unions increase auto loan retention and member trust — without disrupting dealer relationships

 
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From Inside the Dealership Finance Office—To Your Members

After nearly 2 decades as a multi-brand dealership Finance Manager, I know exactly what happens when your members sit down at the finance desk.

Members don’t plan to leave their credit union. They do it in the moment—when they’re unprepared.
I help credit unions close that gap.
— Kimberly Kline / Auto Finance Sense

Powerful Member Education

The problem:

Dealership Finance Managers are educating your Members in real time—when it’s already too late.

- Members walk into dealerships → get overwhelmed

- Finance controls the conversation

- Member chooses dealer financing (or gets steered into it)

- Credit union loses the loan

- And/or, your Member comes back confused, frustrated and mistrusting


I’ll do the lift - you’ll be the hero

Trust retention through education

your members should never learn more from the dealership finance manager than they do from you.

I combine 18 years inside dealership finance with 6 years of consumer education to create content that prepares your Members for the most overlooked part of the deal—the finance office—so they make confident decisions and choose YOU!

  • Custom newsletter articles & templates for your Members with education they’ll find nowhere else

  • Specific educational email content that prepares them before the dealership - that no one else knows

  • How-tos with clear, confidence-building guidance around auto financing & additional products

  • Ongoing content that always keeps your credit union top of mind

  • Auto loan retention

  • Build iron clad trust & loyalty with your credit union

  • Lifetime value

  • Industry expertise

  • Lending insight

  • Trust-building strategy

  • Retention psychology


Team Training

Give your auto lending team real-world dealership finance insight so they can better support your Members and structure stronger deals.

Ancillary Product Review & Optimization

Dealership finance offices don’t just structure loans—they maximize every opportunity within them. I review your current ancillary offerings and train your team on how to confidently present them in a way that builds trust, increases adoption, and strengthens overall loan experience.

  • Review of current GAP, warranty, and protection product offerings

  • Identify gaps, missed opportunities, or positioning issues

  • Train your team to present these products clearly and confidently

  • Align product conversations with member trust (not pressure)

  • Help your team sound as informed and structured as dealership finance managers


Hear directly from Kimberly

A clip discussing what credit unions don’t See—From Inside the dealership

Podcast Clip

Already an Indirect dealer Lender?

Indirect lending creates opportunity—but it doesn’t guarantee you keep the loan.

What I do actually supports that relationship by creating better-prepared borrowers who move through the process more smoothly.

Right now, the dealership is controlling the conversation around financing and products.

I shift that—so your Members walk in already informed by YOU, already confident, and already aligned with you.

This isn’t a dealer connection issue.
It’s an education gap.

And when the credit union becomes the one that prepares the member?

everything changes. provide the education first.

Strong dealer relationships are valuable—but they don’t guarantee loan retention.
— kimberly kline, auto finance sense