Most AI does everything.
proAgent only collects.

You weren't wrong about AI. Generic AI doesn't know collections or loan servicing.
Your team does. We built around that.

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State-aware by design: the AI can't act until each step clears.

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PROAGENT FOR AUTO FINANCE

Grow your portfolio without growing your headcount

Our omnichannel proAgent works your borrowers across voice, web, SMS, and email — from first-payment welcome calls through late-stage workouts — so a portfolio that's doubling doesn't need a headcount that doubles with it.

9 yrs

in consumer finance

1.4B

interactions reviewed

EN · ES

fully bilingual

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See proAgent run on your own book.

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BUILT TO DELIVER OUTCOMES

proAgent is measured on dollars, not call minutes.

$3.1M

in additional payments collected annually

31%

higher liquidation vs. the human-agent baseline

41%

increase in payments across the portfolio

Built inside auto finance, not adapted to it.

Any general-purpose AI agent can place a call and read a balance. The difference shows the moment a borrower goes off-script — asks for an extension, admits a hardship, disputes the amount. A general-purpose agent improvises. proAgent already knows the play.

01

Nine years of consumer finance, built into every call.

▾

Years of working real delinquent accounts are built into the product, not bolted on after — and it works the conversation in Spanish as fluently as in English.

1.4B

collections interactions reviewed over nine years

Same borrower, two kinds of AI agent

A horizontal AI agent

Hears "I lost my job" and reads a help-desk ticket. Repeats the balance.

Prodigal's AI agent

Hears a hardship statement, reads payment history into the negotiation, works the right plan.

02

Compliance isn't a setting. It's how the agent is built.

▾

Competitors treat compliance as a setting you switch on and hope holds. Prodigal builds it into the agent's states instead, enforced live on every turn.

Enforced in real time · logged on every turn

The rules are built into how the AI agent works, not switched on and hoped for.

Mini-MirandaFIRED
FDCPAENFORCED
TCPA · consent checkPASSED
UDAAPCLEAR
State rules · disclosureLOGGED

The AI agent cannot take a non-compliant action, because the action does not exist in that state. The audit answer is ready before the audit.

03

It works out who to reach, when, and how — one account at a time.

▾

Reading intent and capacity account by account, proAgent places each conversation where the dollars actually are — instead of a flat script blasted at everyone.

What it reads
DM
Account #4471
Auto · 14 days past due · first miss
Ability to payPartial — payday Fri
Intent to resolveHigh
Channel response history
SMS · replies fast Voice · never picks up Email · opens, slow
Best contact windowEve, after 6pm
The decision it makes
Channel
Text first, not a call
Timing
Thursday, 6:10pm
Offer
Bridge to Friday payday, not the full cure

Multiplied across the whole book: fewer wasted touches, more promises that hold, a roll rate that moves.

In production on real auto books today.

proAgent works the full auto-loan lifecycle — welcome calls through late-stage workouts — across voice, web, SMS, and email, in English and Spanish. One thread, every channel.

From operators on real auto books.

We pointed proAgent at our toughest delinquency buckets and it paid for itself inside the first quarter. Liquidation is up double digits, it's working the entire book — not a sample, and it holds through our month-end peaks without us adding a single seat.

VP of Collections

Top-15 U.S. auto lender

What sold us was that they actually learned how our operation runs — our buckets, our offers, our compliance line — and stood up a proAgent shaped to how we operate, not a generic bot. We were working real auto accounts in weeks, not quarters.

Head of Servicing Operations

National subprime auto lender

Trusted across consumer finance.

More of your portfolio worked, none of it left to the queue.

See what proAgent recovers across your delinquency curve — from first-payment misses to late-stage workouts — on your own roll rates.

See it on your book
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© 2026 Prodigal Technologies. proAgent for Auto Finance.