One partner for every F&I profit opportunity.
Training, reinsurance structures, warranty products, and dealer financial solutions — built for independent and franchise dealerships that want to own their F&I results.
Programs built for your type of store
Whether you run a single used-car lot or a multi-rooftop franchise group, UNiFi has a program structure that fits.
Built for the independent dealer
Flexible programs designed around the realities of used-car and buy-here-pay-here lots — no minimums, no runaround.
- Reinsured VSC programsDealer-owned reinsurance so you participate in the underwriting profit on every contract you sell.
- Ancillary protection productsA full menu lineup to give every customer a reason to say yes, regardless of budget.
- Bi-weekly & 0% financingPayment solutions that make protection affordable and close more deals.
Elevate your franchise F&I
Everything you get with an independent store, plus the tools to scale across your entire operation.
- Variable ops trainingHands-on coaching for your desk and F&I team on menu selling, objection handling, and compliance.
- Backup warrantiesDirect, non-reinsured VSC options for higher-mileage and higher-risk units that fall outside your primary program.
- Service drive product salesWarranty and protection product sales through your service lane to capture revenue beyond the front-end deal.
- Warranty financing0% and deferred payment options that make protection affordable and close more deals at the service drive.
Everything your F&I office needs, under one roof
From the menu presentation to the service drive, we bring the products, structures, and training that turn F&I into a true profit center.
F&I Training
In-store and ongoing training for your F&I team — menu selling, objection handling, and compliance — to lift penetration and PVR.
Reinsurance Structures
Dealer-owned reinsurance programs that let you participate in the underwriting profit and investment income on the products you sell.
Warranty & Service Contracts
Reinsured and direct, non-reinsured vehicle service contracts for used and new inventory, plus service drive warranty sales.
Ancillary Products
A complete lineup of ancillary protection products to round out your menu and give every customer a reason to say yes.
Dealer-Owned Maintenance Plans
Branded prepaid maintenance programs with a customer app that keeps buyers coming back to your service lane.
Variable Ops Consulting
A fresh set of eyes on your desk, F&I, and service operations to uncover missed gross and streamline your process.
Payment Solutions
Bi-weekly payment plans and 0% service contract financing that make protection easier for customers to afford.
Dealer Capital Loans
Access to capital to help you grow inventory, upgrade facilities, or fund your next expansion.
Merchant Services
Competitive card processing for your sales and service departments, so more of every transaction stays with you.
A partner, not just a product rep
UNiFi Dealer Services was built on a simple idea: dealers do better when their agent is invested in their success. We work side by side with each store we serve — in the F&I office, in the service drive, and in the numbers.
Whether you run a single used-car lot or a franchise store, you get direct access to the person responsible for your program. No call centers, no runaround.
- Direct, personal service
You work with the principal of the agency, every time. - Built for independents
Programs designed around the realities of used-car and buy-here-pay-here lots, and scalable for franchise stores. - Ownership mindset
Reinsurance and dealer-owned programs that build long-term wealth, not just monthly commission. - Transparent reporting
Clear tracking of your contracts, commissions, and program performance.
Getting started is simple
Discovery
We review your current F&I numbers, products, and process to see where profit is being left on the table.
Custom Program
We build a product lineup and, where it fits, a reinsurance structure tailored to your store.
Training & Launch
Your team is trained on the menu and products, and we're on-site to support the rollout.
Ongoing Support
Regular check-ins, performance reviews, and refresher training to keep results climbing.
Backed by the best in the business
We work exclusively with top-tier administrators and warranty providers so every product we place is one we stand behind.
Let's talk about your F&I program
Call or email to set up a no-obligation review of your current products and numbers. We'll show you where the opportunity is.