CALMS Customer Direct is a self-service tool enabling private individuals to arrange their own finance options online. It automates and simplifies application steps from quotation and identity verification through to credit decision and approval.

Your customers expect an intuitive experience when they apply for finance online. That's why we've built CALMS Customer Direct with your users in mind.

Integrating with your existing websites, finance systems and third-party tools, it makes finance applications straightforward and accessible – at any time, from anywhere.

At a glance

  • Finance quote calculator
  • Integrated credit scoring and automated processing
  • AI-powered Chatbot support
  • Intuitive, responsive interface
  • e-ID and e-Signature integrations

  • Dealer locator
  • Open API integrations
  • Integrated analytics

How it works

A smooth, consistent user experience, no matter the channel – whether CALMS is accessed through the OEM website, an integrated chatbot, or in-person via dealer networks, give your users a flawless finance application experience.



A complete end-to-end customer journey – seamlessly integrating with your existing website, finance system and third-party tools.

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A flexible finance calculator – allowing your customers to select their finance options at their own pace and from the comfort of their own home.



Secure, fast credit processing and step-by-step automation – for keeping all parties on track with the application status.

Digital verification with e-ID and e-Signing – a safe alternative to in‑person document signing, removing the physical security requirements associated with traditional paperwork storage.



A dealer locator function – so your customers can choose the most convenient dealer to them, whether simply to continue the sales journey, organize a test drive, discuss their application in person or for additional in‑person assistance.



Integrated analytics – understand your customers better than ever before and gain valuable data at every point along the path to purchase.

Open new channels, broaden your customer reach and deliver a smooth, intuitive experience across all of their interactions with you.

Make sure your customer’s journey starts the right way.