What it does
F&I menu software presents protection products such as service contracts, GAP, tire and wheel and maintenance plans in a consistent way. It pulls rates from product providers, builds payment options and records what the customer chose or declined. Product providers write those contracts and pay claims, often with reinsurance or participation options for the dealer.
Consistency protects the store. Showing every product to every customer, with clear prices and the option to decline, reduces the risk of payment packing claims. The FTC continues to bring cases over add-ons, and state rules such as California's CARS Act set new limits on how optional products are sold and disclosed.
Shoppers increasingly see products online before they reach the store. Menus that work in digital retailing and on a tablet in the showroom help keep the presentation the same in both places.
Who in the store uses it
- F&I managers: present menus and complete product contracts.
- Finance directors: set product lineups and track penetration.
- Compliance officers: review menu language and records.
- Dealer principals: manage provider relationships and participation programs.
What it connects to
- Desking (structured deal and payments)
- DMS (deal posting and product records)
- Protection product providers (rates and contracts)
- Digital retailing (products online)
- eContracting
- Regulatory compliance tools
F&I menu and products products in the index
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What to ask vendors
- Which product providers can you rate and contract live?
- Does the menu show every product to every customer with a clear decline option?
- How do you record customer choices for later review?
- Does the menu work online and in the store the same way?
- How does it handle state rules on add-on pricing and cancellations?
- For providers: how are claims paid, and what do participation options look like?
- What reporting shows penetration and product profit by manager?
- What are the cost and contract term?
Signs it's time to switch
- Managers present products differently from deal to deal.
- Customer choices aren't recorded in a way you can show later.
- Rates are entered by hand.
- Online and in-store product presentations don't match.
- Cancellations and refunds are slow or inaccurate.
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