SOLUTIONS | Horizon Dealer Solutions

PRODUCTS/SERVICES

OUR DEALER SOLUTIONS

Horizon Dealer Solutions offers a portfolio of dealership-focused protection products designed to create value for both dealers and their customers. From preserving vehicle ownership experiences to supporting long-term customer relationships, our solutions help dealerships strengthen retention, improve customer satisfaction, and support sustainable growth.

Explore our product offerings below to discover programs designed to fit your dealership’s goals and customer needs.

A streamlined GAP program designed to help dealerships retain more backend profit while reducing chargebacks and simplifying cancellation handling.
GAP products remain one of the most widely sold F&I offerings in the automotive industry, but they also come with one of the most common profitability challenges: chargebacks from cancellations. BESTGAPPRICE is designed to help dealerships address that issue while maintaining a simple, compliant, and dealer-friendly GAP offering.

This program allows dealerships to retain GAP profit more effectively by eliminating chargebacks after a defined period, helping stabilize backend revenue and improve long-term profitability. It is built to work with all lenders and is structured to align with F&I compliance standards, including F&I Sentinel guidelines.

When a cancellation occurs, the GAP administrator pays the refund directly to the lienholder on behalf of the dealership. The result is a more predictable and controlled GAP program that supports both profitability and operational simplicity, while still delivering valuable protection to customers.

Key Benefits

Helps dealerships retain more GAP-related backend profit

Eliminates GAP chargebacks after a defined period

Works with all lenders

F&I Sentinel compliant

Simplified cancellation processing handled by the administrator

Reduces administrative workload for dealership staff

Supports more stable and predictable F&I income
A dealer-focused service contract program designed to eliminate chargebacks after a set period, helping dealerships retain more backend profit with less administrative friction.
Service contract cancellations are one of the most common sources of unexpected revenue loss in the F&I department. Even when products are sold successfully, cancellations can create chargebacks that reduce backend profitability and make revenue less predictable over time.

Dealer No Chargeback is designed to address this challenge by helping dealerships retain service contract profit after a defined period, typically 90 days, while simplifying the cancellation process. Once the threshold is met, dealerships can keep 100% of eligible profit, creating a more stable and predictable F&I income stream.

The program is structured to work with all lenders and aligns with F&I compliance standards, including F&I Sentinel guidelines. In the event of a cancellation, the GAP administrator pays the refund directly to the lienholder on behalf of the dealership.

By minimizing chargeback exposure and streamlining cancellation handling, this program helps dealerships protect their backend revenue while continuing to offer valuable protection products to customers.

Key Benefits:

Eliminates service contract chargebacks after a defined period

Helps dealerships retain 100% of eligible backend profit

Works with all lenders

F&I Sentinel compliant

Administrator handles cancellation refunds directly with lienholders

Reduces administrative workload for dealership staff

Improves predictability of F&I revenue
A new service contract product that turns protection into a low-risk decision customers actually get excited about.
Traditional service contracts are built around what might go wrong. The No Use - No Lose program flips that expectation entirely.

With this offering, customers who do not file a claim during the full term of their service contract receive a refund of their eligible contract cost of up to $4,000 at the end of the coverage period. Instead of feeling like a sunk cost, the protection becomes a potential future benefit, creating a more positive ownership experience from day one.

This structure helps dealerships position service contracts as a value-driven, low-risk decision rather than a “what-if” expense. Customers appreciate the reassurance of coverage, while also having the added motivation of a potential refund they can apply toward their next vehicle purchase at the same dealership.

Designed for a minimum 48-month term, this program is built to encourage stronger attachment to long-term coverage while helping dealerships increase penetration and improve customer retention.

Key Benefits:

Turns service contracts into a value-back customer experience

Customers may receive a refund up to $4,000 if no claims are filed

Refund can be applied toward a future vehicle purchase

Encourages higher service contract participation rates

Minimum 48-month term structure supports long-term retention

Helps dealerships differentiate their F&I menu offering
Vehicle protection made simple: allow customers to purchase service contract coverage anytime, anywhere, directly through your dealership website.
Today’s customers expect convenience, speed, and control over their purchasing experience. The Anytime Service Contract program extends your dealership’s F&I offerings beyond the showroom, allowing customers to purchase mechanical breakdown protection directly from your website, whenever it works for them.

Whether a customer is at home, at work, or revisiting their purchase decision months later, they can seamlessly select and activate vehicle service contract coverage without needing in-store assistance. This creates a continuous revenue opportunity for your dealership long after the initial sale.

The process is designed to be simple, streamlined, and fully digital, helping reduce friction while expanding access to protection products that many customers would otherwise decline or overlook during the in-person buying process.

Customers also have access to flexible 0% financing options, making it easier to add protection without impacting monthly affordability.

Key Benefits:

Enables online purchase of vehicle service contracts anytime

Extends F&I revenue opportunities beyond the dealership visit

Simple, streamlined digital customer experience

No additional workload required from dealership staff

Helps capture missed after-sale protection opportunities

0% financing options available for customers
A performance-based program designed to help dealerships earn additional revenue from strong service contract performance.
Horizon Dealer Solutions offers a Dealer Profit Sharing Program built to help dealerships unlock additional revenue from their service contract business.

When dealerships consistently sell a minimum average of five service contracts per month, there is often unused claim reserves based on overall claims activity. Our program allows eligible dealers to participate in a structured profit-sharing arrangement tied to that performance.

Instead of leaving money on the table, dealerships can benefit from a portion of the funds generated when claims activity remains below expected thresholds. This creates a meaningful opportunity to enhance backend profitability without changing how your F&I department operates day-to-day.

The program is designed to be straightforward, performance-driven, and aligned with long-term dealer growth. It rewards consistency, volume, good claims losses, and strong product penetration.

Key Benefits:

Creates additional revenue opportunities from service contract performance

Rewards dealerships with consistent monthly volume

No disruption to existing F&I processes

Designed to improve overall backend profitability

Structured, performance-based participation model

Scales with dealership sales volume
A powerful service department program that helps dealerships drive repeat business and strengthen long-term customer retention.
Horizon Dealer Solutions offers a Lifetime Labor & Parts Warranty program on customer-pay items in the service department to help dealerships increase service department loyalty and create a clear reason for customers to return for repairs.

This program gives eligible customers coverage on qualifying labor and parts for covered repairs when service is performed at your dealership. It transforms the service lane into a long-term retention engine by giving customers confidence that staying with your dealership is the best choice for ongoing maintenance and repairs.

The program is built for seamless integration into your existing DMS and service operations and is designed to avoid adding complexity for service advisors or staff.

By offering a lifetime warranty-backed experience, dealerships can differentiate their service department, increase fixed ops traffic, and strengthen long-term customer relationships.

Key Benefits:

Encourages repeat service department visits and long-term loyalty

Helps answer the customer question: “Why service here?”

Designed for seamless DMS integration and automation

No added workload for service advisors

Strengthens fixed ops retention and profitability

Creates a strong competitive advantage for your service department
An AI-powered engagement system designed to help dealerships improve engagement and follow-up speed, convert more customers into appointments, and increase sales.
Dealership Accelerator Services brings modern conversational AI into your dealership’s sales process to help ensure no customer inquiry goes unanswered and no opportunity slips through the cracks.

In today’s market, speed and consistency of follow-up are critical. This AI system engages customers instantly across multiple touchpoints, helping guide conversations, answer common questions, and drive appointment scheduling for your sales team.

Designed specifically for automotive retail environments, the platform integrates seamlessly with your existing dealership operations and works within your current DMS. It enhances, not replaces, your team by ensuring every lead receives timely, consistent engagement.

Dealerships using the system typically see stronger appointment conversion rates and improved sales consistency, driven by faster response times and more structured follow-up communication. On average, dealerships using this conversational AI see an average 52% increase in appointments made, with some experiencing increases of up to 300%.

Key Benefits:

AI-driven customer engagement and follow-up automation

Helps increase sales appointments and lead conversion rates

Reduces response time to customer inquiries

Works with existing DMS systems

Supports sales teams without replacing human interaction

Designed specifically for automotive dealership workflows
A maintenance and repair savings program designed to help independent dealerships increase sales, improve retention, and add value for customers after the sale.
The US Auto Maintenance Discount Plan is built specifically for independent auto dealerships looking for a competitive edge in today’s market.

The maintenance and repair program is given to your customer as part of the vehicle sale, creating a more complete ownership solution and adding value beyond the initial purchase.

Rather than overlooking maintenance as part of the ownership experience, this program transforms it into a strategic advantage at the point of sale that helps dealerships sell more vehicles. It provides customers with access to discounted maintenance and repair services after their purchase, helping them reduce long-term ownership costs while increasing their likelihood of returning to your dealership.

For dealers, the program acts as a powerful sales and retention tool. It supports stronger deal closure rates by adding value to every deal, protecting gross profit, and encouraging repeat business.

Key Benefits:

Helps increase vehicle sales without relying on F&I penetration

Provides customers with meaningful post-sale maintenance savings

Strengthens dealership competitiveness against non-participating stores

Supports gross profit retention on vehicle deals

Easy to introduce as a value-add during the sales process
A limited warranty that covers the engine for life, helping customers buy with confidence while giving your dealership a strong competitive advantage.
The Lifetime Engine Warranty Program is designed to give customers added confidence at the point of purchase while helping dealerships differentiate their inventory in a crowded marketplace.

By including lifetime coverage on the engine for eligible vehicles, this program removes a major concern for buyers: unexpected major mechanical failure. Customers gain long-term assurance that one of the most critical components of their vehicle is protected for as long as they own it, creating stronger trust in both the vehicle and the dealership.

For dealerships, the program serves as a powerful sales advantage. It can be applied to most domestic and Asian vehicles, including those up to 15 model years old and with up to 150,000 miles on the odometer. With a low dealer cost, it becomes a valuable tool to increase closing ratios, enhance perceived vehicle value, and separate your dealership from competitors who do not offer similar protection.

Key Benefits:

Helps increase customer confidence at the point of sale

Provides lifetime engine coverage on eligible vehicles

Applies to most Domestic and Asian vehicles

Eligible for vehicles up to 15 model years and 150,000 miles

Helps differentiate dealership inventory from competitors

Supports stronger close rates and perceived vehicle value
A flexible payment solution that helps customers align vehicle payments with their paycheck schedule while creating additional value and revenue opportunities for dealerships.
Vehicle affordability continues to be one of the biggest factors influencing customer buying decisions. The Customer Payment Options program helps dealerships offer a more flexible ownership experience by allowing customers to structure vehicle payments around how they actually get paid.

Rather than relying on a traditional monthly payment schedule, customers can choose weekly, bi-weekly, or semi-monthly payment options that better match their income cycle. This creates a more manageable budgeting experience and can help customers feel more comfortable moving forward with a vehicle purchase.

For customers, smaller and more frequent payment schedules may improve affordability, simplify financial planning, and reduce total interest paid over the life of the loan while building equity sooner. For dealerships, the program adds another value-driven conversation at the point of sale while creating an additional F&I revenue opportunity.

The result is a solution that supports both customer satisfaction and dealership profitability, without changing the customer’s lender relationship or complicating the ownership experience.

Key Benefits:

Allows customers to align payments with their paycheck schedule

Supports improved budgeting and payment management

Helps create a more affordable ownership experience

Often supports faster equity growth and earlier loan payoff

Enhances customer value at the point of sale

Creates additional F&I revenue opportunities for dealerships
Protection designed to help customers recover from accident-related vehicle depreciation and preserve future trade-in value when the vehicle is in an accident and is not totaled.
Not every accident results in a total loss, but even fully repaired vehicles can lose value once an accident appears on a vehicle history report. Diminished Value Protection helps address that gap by providing eligible customers with financial protection up to $10,000 against the loss in vehicle value that can occur after a reported accident.

While traditional GAP coverage focuses on total-loss scenarios, this program is designed for the far more common situation where a vehicle is repaired and returned to service. Even after quality repairs, diminished resale value can create unexpected negative equity that affects future trade-in opportunities and vehicle purchasing decisions.

Diminished Value Protection helps customers preserve future purchasing power by providing eligible reimbursement for covered loss in value, with benefits available up to $10,000. This can make it easier and faster for customers to transition into their next vehicle purchase with greater confidence and less uncertainty.

For dealerships, the program creates an additional F&I opportunity while strengthening customer relationships and helping reduce barriers to future vehicle purchases.

Key Benefits:

Helps protect customers from accident-related vehicle value loss

Provides coverage beyond traditional total-loss protection

Can help reduce future trade-in negative equity

Supports faster customer vehicle upgrade opportunities

Creates an additional F&I revenue opportunity

Complements GAP programs and extends value to cash buyers

Available with extended term options
Exclusionary vehicle service contract coverage designed to help dealerships confidently offer protection solutions for higher-mileage and older vehicles.
Every dealership encounters customers who fall outside the eligibility requirements of traditional vehicle protection products. High Mileage Vehicle Protection is designed to expand those opportunities by making exclusionary service contract coverage available across a much broader range of inventory.

This program allows dealerships to offer exclusionary coverage on qualifying vehicles regardless of model year or mileage profile, helping extend protection options to customers who may otherwise go without coverage. With broad vehicle eligibility, dealerships can create additional value across more vehicle transactions.

Claims are paid up to the vehicle’s actual cash value so your customers typically have little to no money out of their pocket when there's a repair, while F&I teams benefit from increased protection eligibility and stronger sales opportunities.

By opening the door to coverage for more inventory, dealerships gain additional flexibility, improve customer choice, and strengthen overall F&I performance.

Key Benefits:

Expands protection eligibility across older and higher mileage inventory

Exclusionary-style coverage available on qualifying vehicles

Supports many vehicle makes and models

Includes coverage availability for hybrid and electric vehicles

Claims paid up to vehicle actual cash value (ACV)

Competitive reimbursement and service support
A lifetime powertrain protection program that can be sold in F&I that is designed to increase buyer confidence, strengthen retention, and help dealerships stand out in a competitive market.
Lifetime Service Contracts give dealerships the ability to offer customers an enhanced vehicle protection option designed to extend confidence for as long as they own the vehicle.

Unlike traditional service contracts with defined expiration periods, this program allows customers to purchase lifetime powertrain protection on qualifying vehicles, helping provide long-term reassurance against covered mechanical concerns.

Offered as part of the dealership’s F&I products, Lifetime Service Contracts create an opportunity to strengthen the customer value proposition. Customers gain confidence knowing they have access to long-term protection, while dealerships benefit from a differentiated offering that supports product penetration, customer retention, and future service opportunities.

The lifetime powertrain service contract will help your dealership F&I department offer products to customers who plan on keeping their car for a long time and don't want to deal with expensive powertrain repairs while they own their vehicle.

Key Benefits:

Helps differentiate your dealership in competitive markets

Provides lifetime powertrain protection on qualifying vehicles

Encourages long-term customer retention and service engagement

Great product for customers who plan to keep their vehicles for a long time
A practical F&I training program designed to help dealership teams improve product presentation, maximize profitability, and increase penetration.
F&I performance is often an area where small improvements can produce a significant increase in dealership profitability. The key is to have F&I products presented in a consistent, effective way. The Easy F&I Training Program is designed to bridge that gap by giving dealership teams simple, repeatable tools to improve how protection products are introduced and sold.

This program focuses on practical, real-world communication techniques that sales teams can use immediately. Instead of complex scripts and memorization, the training emphasizes clear language, structured conversations, and proven methods for presenting service contracts, GAP, and other protection products in a way customers understand and respond to.

In addition to presentation techniques, the program also helps teams improve their ability to uncover customer needs, handle common objections, and maintain compliance-focused processes that support dealership standards.

The goal is to strengthen your F&I team and improve overall product penetration through better communication.

Key Benefits:

Improves consistency in F&I product presentation

Helps increase service contract, GAP, and ancillary product penetration

Provides simple, practical sales techniques for dealership teams

Supports stronger objection handling and customer conversations

Reinforces compliance-focused selling processes

Designed for fast adoption by sales and F&I staff
Flexible vehicle protection options that empower dealerships to customize coverage with a choice between unlimited time or unlimited mileage plans, helping deliver the right fit for every customer.
Today’s vehicle buyers are increasingly focused on long-term value and simplicity. Traditional service contracts often include mileage caps and expiration dates that can leave customers feeling uncertain about how long their coverage will actually last.

Unlimited Time or Mileage Protection changes that experience by offering a more flexible approach to vehicle coverage. Instead of worrying about when protection will expire, customers receive coverage designed to eliminate the typical constraints of time or mileage limits, creating a more confident and straightforward ownership experience.

For dealerships, this program provides a powerful way to elevate the F&I conversation. It allows teams to present a more compelling value proposition that resonates immediately with customers, helping differentiate your dealership from competitors who are still only offering traditional, limited time or mileage options.

By simplifying the concept of protection and extending its perceived value, dealerships can strengthen customer trust, improve satisfaction, and support long-term retention.

Key Benefits:

Removes traditional time and mileage limitations on service contracts

Creates a stronger, more compelling value proposition for customers

Enhances F&I presentation effectiveness

Improves customer confidence and satisfaction

Supports long-term retention and loyalty
A flexible funding solution that provides dealerships with growth capital typically repaid through future F&I production instead of traditional monthly loan payments.
Dealer Loans Now is a dealership-focused funding program designed to provide access to growth capital without some of the constraints of traditional lending structures. Instead of relying on fixed monthly loan payments, this program allows dealerships to leverage future F&I performance toward loan repayment.

Capital can be used to support a wide range of dealership initiatives, including inventory expansion, acquisitions, facility upgrades, marketing efforts, technology investments, or general working capital needs. This gives dealerships the ability to invest in growth opportunities when they matter most, rather than delaying decisions due to capital limitations.

Repayment is structured around service contract and GAP production, where a predetermined amount is allocated per contract sold and applied toward the outstanding balance over an agreed timeframe. This approach aligns repayment with dealership performance, creating a model that adapts to F&I business results.

The outcome is a more dynamic funding solution that supports dealership expansion while maintaining operational flexibility.

Key Benefits:

Provides access to growth capital for dealerships

Can be used for inventory, acquisitions, marketing, technology, operations, etc.

Repayment tied to future F&I production

Aligns repayment with dealership F&I performance

Supports scalable, growth-focused dealership strategies
A flexible financing solution that allows dealerships to offer F&I products to virtually every customer, regardless of credit profile or lender restrictions.
One of the most common challenges in F&I is not customer interest in the product, it’s financing limitations. Many customers want protection products like Vehicle Service Contracts, GAP coverage, or other ancillary offerings, but lender restrictions, credit profiles, or loan-to-value constraints often prevent those products from being included in the deal.

Service Contracts Now removes those barriers by giving dealerships a way to offer and finance F&I products to virtually every customer, regardless of credit history or lending limitations. This creates a more consistent and compliant selling process where protection products are no longer dependent on conditional lender approvals.

The program is designed to help dealerships increase product penetration while improving customer access to valuable protection options. With flexible terms of up to 84 months and no dealer participation fee, it allows dealerships to structure deals in a way that supports both customer affordability and dealer profitability.

By reducing friction at the point of sale, Service Contracts Now helps ensure that more customers leave the dealership fully protected, while giving F&I teams more opportunities to present and close value-added products.

Key Benefits:

Allows financing of F&I products regardless of credit profile

Expands eligibility beyond traditional lender restrictions

Supports financing terms up to 84 months

Helps increase F&I product penetration and consistency

Reduces deal structuring limitations and approval uncertainty

Improves customer access to protection products
A targeted engagement solution designed to help dealerships connect with active vehicle shoppers earlier in the buying journey and increase qualified lead and sales opportunities.
Today’s automotive shoppers are more informed, more connected, and further along in their buying journey before they ever step into a dealership. With millions of consumers actively researching vehicles online each year, the dealerships that succeed are the ones that engage these shoppers first.

Active Auto Buyers is designed to help dealerships reach in-market consumers earlier, before competitors have a chance to establish contact. By focusing on active shoppers who are already researching vehicles, this program helps position your dealership as a trusted resource at the beginning of the decision-making process rather than later.

Early engagement is critical in today’s market. When customers receive timely, relevant communication from a dealership, they are significantly more likely to continue that conversation through to a showroom visit and eventual purchase. This program is built to support that initial connection, helping drive more qualified traffic and stronger overall sales opportunities.

By establishing early visibility and engagement, dealerships can improve their competitive positioning, increase lead quality, and strengthen overall market share in their region.

Key Benefits:

Connects dealerships with active in-market vehicle shoppers

Helps establish early engagement before competitors

Increases leads and appointments

Improves competitive positioning in local markets

Designed to increase overall market share
Specialized EV and hybrid battery lifetime protection designed to help customers avoid costly battery replacement expenses while creating a new F&I opportunity for dealerships.
As electric and hybrid vehicles become a larger part of today’s automotive market, dealerships are encountering a new category of ownership risk: high-voltage battery replacement costs. EV and hybrid battery failures can result in extremely expensive out-of-pocket expenses once factory coverage expires.

The Lifetime EV Battery program is designed to address this growing concern by offering coverage for one of the most critical and costly components of modern vehicles: the battery pack. This allows dealerships to confidently present a protection solution tailored specifically for EV and hybrid ownership, helping customers feel more secure in their long-term investment.

The program is structured to support a wide range of franchise brands and is available on qualifying EV and hybrid vehicles up to mileage thresholds at the time of sale. It helps bridge the gap between factory warranties and long-term ownership, ensuring customers are not left exposed to unexpected and significant repair costs.

For dealerships, this program creates a new, forward-looking F&I opportunity aligned with the future of automotive retail. It enhances the value proposition of EV inventory, strengthens customer confidence, and opens the door to additional profitability in a rapidly growing segment.

Key Benefits:

Helps protect customers from high EV and hybrid battery replacement costs

Coverage available for many EV and hybrid franchise brands

Coverage option for vehicles up to 135,000 miles at time of sale

F&I Sentinel approved

Creates a new F&I profit opportunity in the EV/hybrid market

Enhances customer confidence in electric/hybrid vehicle ownership

READY TO STRENGTHEN YOUR DEALERSHIP'S PROTECTION PROGRAMS?

Connect with Horizon Dealer Solutions to learn how our products and dealer-focused solutions can support your dealership’s long-term growth.