CarFinance247
A UK car finance broker
December 2025 to January 2026, over Christmas
- Appointments booked
- 114
- Leads worked
- 3,895
- Reply rate
- 33%
- Pipeline
- £171,000
Automotive / Auto finance
AI appointment setter for auto finance brokers and lenders
Setterly is an AI appointment setter for auto finance brokers and lenders. It texts applicants who stalled, approved customers who didn't proceed and old inquiries, and books callbacks with your finance team. You pay per booked appointment, with no setup fee and no retainer.
Updated October 22, 2026
At a glance
What it does: texts your stalled applications, approved customers who didn't proceed and old inquiries, answers questions and books callbacks into your calendar.
Lead sources we see in auto finance: Comparison and lead-gen sites, Paid search and social, Dealer partners, Your website, Past customers.
Price: pay per booked appointment. No setup fee, no retainer.
Proof: CarFinance247: 114 appointments from 3,895 leads (UK campaign).
Compliance: TCPA quiet hours, state rules, opt-outs and 10DLC. See texting compliance.
Why do auto finance leads go cold?
Applications stall at the documents stage. Customers start an application and stop when they're asked for paperwork or a call.
Approved, but never completed. Some approved customers never pick a car or sign. Without a timely nudge, they finance elsewhere.
Lead costs are high. Finance leads from comparison sites and paid search are expensive, so each one left unworked is costly.
What has Setterly delivered in auto finance?
Our clearest automotive result is CarFinance247, a UK car finance broker: 114 appointments from 3,895 leads, December 2025 to January 2026, over Christmas (case study). UK car leasing brokers Flexed and Eden Leasing booked callbacks from their old leads too. These are UK campaigns and are labeled that way.
How should finance brokers reopen applications?
Keep it about the next step, never about credit details: "you started an application with us; would a quick call help you finish it?" The AI answers general process questions with your approved answers and books a callback with your team, who handle anything regulated.
Finance is regulated. Agree wording with your compliance team before any campaign, and see our texting compliance guide for general rules (not legal advice).
Which finance leads should you work?
- Started but unfinished applications.
- Approved customers who didn't choose a car.
- Old inquiries from comparison sites and paid search.
- Past customers approaching the end of their agreement.
Bookings arrive as callbacks in your team's calendar with conversation notes.
Automotive results (UK campaigns)
These are live Setterly campaigns for UK businesses, shown as reported (UK figures, in pounds). Every business that sells to homeowners or car buyers works the same way: leads go cold, the AI re-opens the conversation by two-way text and books the appointment.
Flexed
A UK car leasing broker
- Callbacks booked
- 109
- Leads worked
- 1,135
Eden Leasing
A UK car leasing broker
- Callbacks booked
- 93
- Leads worked
- 725
A UK short-term car leasing company
- Appointments booked
- 106
- Leads worked
- 1,133
- Reply rate
- 47%
- Pipeline
- £127,200
A UK franchised dealer group with 20+ sites
- Appointments booked
- 91
- Leads worked
- 725
- Reply rate
- 65%
- Pipeline
- £136,500
A five-site UK used car dealer
- Appointments booked
- 61
- Leads worked
- 827
- Reply rate
- 65%
- Pipeline
- £109,800
Pipeline = appointments booked x the client's average order value.
All resultsHow does Setterly book callbacks for auto finance businesses?
- You send your old leads. A CSV or CRM export of stalled applications, approved customers who didn't proceed and old inquiries, with what each customer asked about. We check source and consent with you first.
- The AI texts each customer. The first message mentions their original request. When they reply, it answers questions, handles "not right now" and offers times.
- Callbacks land in your calendar. With notes from the conversation, so your team knows what was said.
Messages come from a registered number in your business name, respect TCPA quiet hours and state rules, and every conversation is visible to you. See texting compliance.
Real conversations from UK campaigns
Anonymized text threads from live Setterly campaigns, from the first message to a booked appointment or callback.
09:415G
S
Setterly AI
SMS Conversation
Hi, it’s Alex. Is this the same person who applied for finance for a Toyota Corolla earlier this month?
Next day
Hi, are you still looking for car finance at the moment, or all sorted now?
Next day
We help people compare options from multiple lenders to find something that could work for their budget, would you still like to chat about this?
Yes.
You were approved but we couldn’t reach you by phone. Are you still looking for finance for a new car, or already sorted?
Still searching.
Are you still looking for a Toyota Corolla, or after something different?
Yes, Toyota Corolla.
When would you like to be driving your new car?
Soon as I get a good one.
Roughly how much per month would you feel comfortable spending on the finance?
£200.
Sounds like we can help you finance your Toyota Corolla. Are you free for a quick chat tomorrow at 10:30am, or would 4pm work better? It’ll just be with your account manager to run through your options.
Yes I am.
Perfect, I’ve asked your account manager to give you a call. Look out for a call from the team.
Appointment booked
Car finance
Three follow-ups, qualified the monthly budget, booked with an account manager.
How much does Setterly cost?
You pay per booked appointment. There is no setup fee and no retainer. CRM integration is optional and carries a one-off fee, agreed with you before any work starts.
See how pay per appointment works and how we handle texting compliance, or book a 30-minute call. US line: +1 363-203-5214.
Frequently asked questions
Does the AI discuss rates or approvals?
No. It books callbacks; your regulated team handles finance conversations.
Have you worked in auto finance?
Yes, in the UK. CarFinance247 is a published case study, labeled as a UK result.
Can it handle approved-but-not-proceeded customers?
Yes, with wording your compliance team approves.
Do you need our lending system?
No. A CSV export is enough to start. Integration is optional and carries a one-off fee.
How do you charge?
You pay per booked appointment, with no setup fee and no retainer.
Is texting old auto finance leads compliant?
It can be when consent, quiet hours, state rules, opt-outs and A2P 10DLC registration are handled properly. Our compliance page explains the rules; it is general information, not legal advice.
Find out how much revenue is sitting in your CRM.
Book a 30-minute call and we'll show you how much revenue you can recover from the leads already sitting in your CRM.
Book a callNo appointments, no cost