Black Horse Integration Guide – Autotrader UK

Black Horse offer different tiers (packages) to dealers, so the process to send on these differs for users.

Rate for risk is only possible for private individual applications.

Select 'Send to lender' in the top right corner of an application.

When navigating to the Black Horse integration in the 'Lenders' section, the 'Get Quote' function will only be possible once any outstanding criteria have been met
If a quote can't be shown because it needs more information, a collapsible section will appear next to the name of the lender in the 'Lenders' section of the application

Selecting the text or the plus symbol on the right-hand side will open a list of links to the missing information
When you select a link, a window will appear where you can fill in the missing information
Once the missing information has been filled in, the link will disappear from the list. You'll then be able to select the 'Get quote' button on the left.
A warning triangle next to the 'Get quote' button indicates that a customer rate must be obtained first before being able to propose an application
If you select the warning triangle you'll be able to see the error

The relevant agreed packages/tiers will be displayed for the lender, subject to meeting criteria
If you select the (i) button next to the lender name you'll be able to see the rate returned
The 'Lenders' section will show the Rate for Risk plans (containing R4R in the tier name) and populate them with the unique customer rate before being able to send the proposal

The 'Send' button will appear on the left-hand side, next to the lender's name in the 'Lenders' section. You'll now be able to send the application to the lender.

If a risk-based pricing rate cannot be returned for that customer, an error reason will be returned in the collapsible section next to the lender name.

Select 'Send to lender' in the top right corner of an application.

A quote will only show once any outstanding criteria have been met
If a quote can't be shown because it needs more information, a collapsible section will appear next to the name of the lender in the 'Lenders' section of the application

Selecting the text or the plus symbol on the right-hand side will open a list of links to the missing information
When you select a link, a window will appear where you can fill in the missing information
Once the missing information has been filled in, the link will disappear from the list

Once an application meets the lender's criteria, you can send it. The relevant agreed packages/tiers will be displayed for the lender subject to meeting criteria. The 'Send' button will appear on the left-hand side of the 'Lenders' section, next to the lender's name. Once sent, the button will change to show 'sent'.

In the Activity feed section of the application overview page, the sent status will display as 'pending verification' until a decision is made. The decision isn't instant and may take a few moments to come through
The finance application will return with approval, decline, filter or error

Once an application is approved, the status will change to approved in the activity feed
Selecting 'View' next to 'Response' in the Sent to lender section will show the information returned by the lender. You'll be able to see timestamps linked to decision timeframes.

The response will show the status, the full approval information and split out the vehicle loan amount plus the extras being funded in the agreement like products and negative equity.

When a lender approval is created, you can see a full breakdown of what has been approved in the 'Approvals' section on the application or by selecting 'View' next to 'Approval' in the 'Sent to Lender' section of the activity feed.
You can only manually edit the approval via the 'Approvals' section.

If an application is declined, the status will change to declined in the activity feed
Selecting the 'response' will show the information returned by the lender with timestamps linked to decision timeframes.

In the lender approval response, there is a link to access the PDF agreement documents.

In the 'send to lender' section, Blackhorse will show as 'approved' with a timestamp of the approval date.

If you change customer bank details, vehicle or finance figure information, selecting update will send through the revised application information and update the existing application reference. Any changes to personal information will show a 'send' button, which will send a whole new application through, duplicating it.
You can manually create and update any further approvals in AutoConvert
You can record a conversion in AutoConvert once the application has been paid out