FlexPath DXP has launched its new Personalized Shop-by-Payment™ (Personalized SBP™) platform, an automobile shopping experience designed to allow consumers to explore vehicle inventory based on their desired monthly payment and upfront cash, rather than solely on vehicle price.
The Personalized SBP platform enables consumers to browse a dealer’s entire new and used vehicle inventory concurrently. This system provides real monthly payment figures linked to a verified identity and actual credit data, with the process initiating through a mobile phone number.
Tarry Shebesta, CEO of FlexPath DXP, stated, “Consumers don’t think ‘new’ or ‘used’ first. They think in terms of budget. Personalized Shop-by-Payment lets them see all vehicles that fit their payment and cash parameters.” The platform addresses the common consumer questions of “What can I afford per month?” and “How much cash do I have upfront?”, simplifying the complexities of pricing, incentives, rebates, interest rates, lease offers, and finance terms.
Unlike many existing payment tools that require shoppers to select a specific vehicle or differentiate between new and used options before viewing payments, Personalized SBP calculates and displays all qualifying vehicles simultaneously. This allows shoppers to see every vehicle across a dealer’s inventory that aligns with their preferred monthly payment and down payment.
Personalized SBP™ is powered by FlexPath’s patent-pending VeriQual™ identity-verified prequalification engine. This engine verifies identity and conducts a soft credit pull prior to any payment calculations, ensuring that results are qualification-based rather than estimates derived from self-reported data. The unified engine guarantees consistent payment generation across both new and used inventory. Furthermore, it is the only solution that supports lease calculations for new, used, and Certified Pre-Owned (CPO) vehicles within a single payment-shopping experience.
By commencing with verified identity instead of traditional form fills, Personalized SBP aims to reduce fraud exposure while enhancing lead quality and operational efficiency for dealerships.
To encourage national adoption, FlexPath DXP is offering a limited-time promotion for dealers who enroll before February 1, 2026, which includes no setup fee and discounted subscription pricing.
FlexPath DXP is a digital experience platform providing solutions that allow consumers to shop, prequalify, and structure vehicle deals using its patent-pending identity-verified technology. Its offerings include VeriQual™, Personalized Shop-by-Payment™, Single Vehicle Prequal (SVP), and LeaseDXP™. Additional information is available at www.
FlexPathDXP.com.
