---
title: Auto Finance eContracting & eVault | Loyva
description: Sign retail installment contracts digitally, vault the authoritative e-original under UCC §9-105, and fund dealers in minutes. Securitization-ready auto finance, ~50% below legacy eVaults.
image: https://loyva.io/hubfs/og-images/og-auto-finance.png
---

Now live in the **DocuSign App Center** · [Read the announcement →](https://loyva.io/blog/loyva-integrates-with-docusign?hsLang=en)

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For Auto Finance

# Fund the deal before they drive off the lot.

eContracting and an eVault for auto lenders, dealer-financed and non-prime included — sign the retail installment contract, vault the authoritative e-original, and move from funding to securitization on one platform.

[Book a Demo](https://loyva.io/book-demo?hsLang=en)

The Problem

## Paper contracts slow the money down.

🐢

### Dwell time eats your capital

Every day a signed contract sits unfunded is capital you can't recycle. Paper and PDFs add days you can't afford.

🏦

### Securitization needs real originals

ABS investors and warehouse lenders won't advance against copies. No authoritative original, no clean funding.

🕵️

### Remote deals invite fraud & error

Digital retail is the norm now — but scanned contracts and wet signatures create gaps, disputes, and rework.

💸

### Enterprise eVaults are overbuilt

Legacy platforms were built for the biggest captives and priced like it — too heavy and too costly for most lenders.

The Solution

## eContract, vault, and fund — in one flow.

✍️

### Digital retail installment contracts

Sign RISCs online with legally binding e-signatures — remote, in-store, or straight from the dealer's DMS.

🔒

### Authoritative copy, instantly vaulted

Every executed contract becomes a single, tamper-evident e-original under UCC §9-105 control.

⚡

### Fund the dealer faster

Verified, vaulted contracts fund in minutes — often before the borrower leaves the lot.

📈

### Securitization-ready from day one

Clean, controlled e-originals cut loan dwell time and make ABS pools and portfolio sales effortless.

Why Loyva

## eVault-grade control, without the enterprise weight.

The same authoritative-copy control the biggest lenders rely on — purpose-built, modern, and priced for the rest of the market.

🔒

### Beyond e-signature

Signing is step one. Loyva vaults every executed contract as the controlled, authoritative e-original under UCC §9-105.

🏛️

### Custodian-friendly collateral

Give your custodian bank verifiable control — and move collateral cleanly among multiple financing sources.

🏦

### Built for securitization

Digital contracts structured for asset sales and ABS pools — verifiable e-originals investors can trust.

🔌

### Fits your DMS and LOS

APIs and integrations for dealer management, origination, and funding workflows — including proprietary systems.

⚡

### Live in days, ~50% below legacy

Vault-grade infrastructure without the enterprise rollout or the Wall-Street price tag.

📊

### Portfolio visibility

Every contract's status, hash, and audit trail in one place for lenders, custodians, and investors.

UCC § 9-105

## Control your bank can verify — all seven checks, on every contract.

Electronic chattel paper is only fundable when it meets UCC § 9-105. Loyva enforces every requirement automatically, then issues an audit certificate to prove it.

✓

#### Single authoritative copy

Exactly one authoritative version of the record exists — enforced at the vault, never duplicated.

✓

#### Tamper-evident hash

A SHA-256 hash is computed and stored on every signature event, so any change is detectable.

✓

#### Controlling party identified

The party in control is named and confirmed through an accepted custodian permission.

✓

#### All signatories executed

Every required signer has completed and signed the document before it is vaulted.

✓

#### Non-authoritative copies marked

Duplicate copies are clearly identifiable as non-authoritative and stored separately.

✓

#### Record fully executed

The contract reaches a completed status — no partial or pending states counted as final.

✓

#### Audit certificate generated

A signed compliance certificate is produced and stored as verifiable proof of control.

The economics

## Less dwell time. More capital efficiency.

Minutes

from a signed contract to a funded dealer

Zero

days of loan dwell time waiting on paper originals

~50%

lower cost than legacy enterprise eVaults

## Fund auto contracts *before they leave the lot.*

[Book a Demo](https://loyva.io/book-demo?hsLang=en)

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eSign and eVault, purpose-built for the security & alarm industry.

##### Product

[eSignature](https://loyva.io/product?hsLang=en) [eVault](https://loyva.io/product?hsLang=en) [Integrations](https://loyva.io/integrations?hsLang=en) [Bank Access](https://loyva.io/banks?hsLang=en) [Auto Finance](https://loyva.io/auto-finance?hsLang=en) [Equipment Finance](https://loyva.io/equipment-finance?hsLang=en)

##### Company

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##### Resources

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