truPayments is now part of PureCars!

Begin with the end in mind.

What is the #1 thing on your customer’s mind when they are buying a car?

Their Monthly Car Payment.

Personalized payment shopping is the best digital sales tool on the planet.

Introducing tru Shop-by-Payment™



tru Shop-by-Payment™ is one-of-a-kind. We’ve leveraged technology to truly transform the car shopping experience. We’ve turned the process upside down. By starting with credit, we allow consumers to shop for their vehicle and financing together across all the dealer’s inventory and finance programs simultaneously. The customized shopping experience begins not with selecting a vehicle, but with personalization. Each customer journey is uniquely built around their preferences, financial profile, and the context of their entry point and/or prior activities.




Rules for key deal terms (price, mark-up, trade value) are set by the dealer during initial implementation and are easily updated through our dashboard. Our unique self-desking tools let the customer dynamically control their deal preferences (loan/lease, term, down payment, trade-in), see real time updates to all payment options, and select the right option for them. The customer feels empowered and in control of structuring their deal, while the dealer gets the front and back-end profit they want.




Presenting customers with inaccurate payment options results in frustration, embarrassment and lost deals. We've been in online auto finance for over 20 years and have perfected online payment quoting and customer conversion. Our patent-pending truPayments® engine calculates accurate, personalized (real credit) payments in real time – not just on a single vehicle, but simultaneously on all your inventory, across all your finance programs, for all available terms, with rebates, incentives, specials, etc. Customers only see real payment options for which they actually qualify, so there are no frustrated expectations, building confidence and trust and producing sales.




From browsing inventory with real personalized payments to dialing in a deal and scheduling delivery, customers can go as far in the process as meets their needs – seamlessly across any device, at home or in store. And, our configurable platform allows the dealer to select what they want customers to be able to do. Whatever the customer does, the dealer receives a lead with all the customer’s financing and vehicle preferences, as well as a full credit bureau.



More than 70% of online shoppers use mobile devices. tru Shop-by-Payment™ was built on our new, mobile-first Grail® platform. Grail® has been specifically engineered for the best mobile experience possible, as well as a great experience on any other device. Your customers can easily jump right into their personalized, one-to-one shopping experience – Anytime, Anywhere, Anyway®.

Powerful Engagement Tools

Payments on Inventory

Payment buttons on inventory on SRP and VDP, linking to Shop-by-Payment™. Buttons include a custom call-to-action selected by the dealer, which increases engagement and leads. Payments quoted on buttons prior to one-to-one engagement adhere to MAP requirements.

Quick Pre-Qualify

Allows the customer to obtain lowest rate for which they qualify, using a soft credit pull. Links to Shop-by-Payment™. Dealer receives full credit bureau with the lead.

Payment Calculator

For shopper’s interested in estimating their payment, allows customer to calculate a payment based on rate, amount financed, term, etc. without a credit pull. Links to Shop-by-Payment™.

Landing Pages

Custom landing pages with Shop-by-Payment™ embedded. For use with marketing/social media campaigns. Can be themed for specials, make/model, etc. to further personalize the experience and maximize conversion. View landing sample.

Instant Trade-In Equity

Allows the customer to obtain estimated trade equity instantly, utilizing dealer-configured trade value (e.g. KBB wholesale) and loan balance from soft pull. Links to Shop-by-Payment™. Dealer receives full credit bureau and trade equity data with the lead.

Custom Marketing Assets

Themed Shop-by-Payment™ video. Custom banners, buttons and other CTAs. Custom Shop-by-Payment™ digital campaign assets, formatted for social media and GoogleAds.

Let's Work Together!

Are you ready to own your market by giving consumers the tru Shop-by-Payment™ experience? Are you ready to provide your sales team with more deals in less time, meaning more profit for you? Complete the form or give us a call, and we’ll get you started with a demo.