Now accepting early access dealers across Canada

Shopify built the platform that
made merchants unstoppable.
Yody does that for car dealers.

One white-label platform that runs your entire dealership — inventory, CRM, finance, documents, and your own branded storefront — while sending you pre-approved buyers from the Yody consumer app. Think Shop Pay, but for cars.

47 min
Avg time to close a pre-approved buyer
More inquiries on verified listings
$276K
Est. annual labour savings per rooftop
15:1
ROI on platform cost vs. operational savings
The parallel

Shopify didn't fight retailers.
It made them impossible to compete with.

Every platform trying to disrupt auto retail is fighting dealers. They all hit the same wall — dealers have the inventory, the licences, the floor plans, and the relationships. You can't win without them. Yody is built on that truth.

Shopify
Merchant storefront & tools
Shop Pay — buyer's payment wallet
Shop app — drives traffic to stores
Merchants compete on experience
Shopify grows when merchants grow
Yody
Dealer storefront & full DMS
Approval Passport — buyer's finance wallet
Yody app — drives traffic to dealers
Dealers compete on experience
Yody grows when dealers grow
The old way
Fragmented tools, no storefront
Buyers start from zero at every dealer
AutoTrader — pay per click, no pre-approval
Dealers compete on price alone
Vendors profit regardless of your success
The Approval Passport

Shop Pay, but for buying a car.

Shop Pay lets a buyer store their payment details once and check out instantly at any Shopify store. The Yody Approval Passport does the same thing for auto financing.

A buyer gets pre-approved through Yody's bank partners — TD, RBC, Scotia, CIBC, National Bank, and more. That approval travels with them in the Yody app. When they walk into any enrolled dealership, the deal starts at the handshake, not the credit bureau.

For buyers
One approval, valid at 100+ dealers. No re-applying. No anxiety. Just shopping.
For dealers
Pre-approved leads who have already committed to a payment. Close 3× faster.
For banks
Access to motivated, pre-qualified buyers across private and dealer sales.
Yody Approval Passport
Jordan Mitchell
$32,000
Valid at 124 enrolled dealers · Expires Apr 28
Rate from
7.9%
Term
72 mo
Lender
TD Bank
How it lands for a dealer
1
Buyer opens Yody app, passport in hand
2
Browses your inventory — matched to their profile
3
Walks in or sends an offer in-app
4
You verify the passport — the approval is real
5
Deal closes. Finance routes automatically.
White label platform

Your brand.
Your customers.
Our infrastructure.

Yody replaces your dealership website, your listing platform, your DMS, and your CRM — all under your own name and domain. Buyers never see "Yody." They see you.

This is exactly how Shopify works. Millions of people shop on Shopify stores every day without knowing Shopify is involved. The merchant owns the brand and the customer. Shopify owns the infrastructure. Yody works exactly the same way.

Your domain & branding
Your customer relationships
Your inventory, your pricing
Your data — always portable
Yody invisible to buyers
Cancel any time, data is yours
abcmotors.ca
ABC Motors
34 vehicles
2022 Honda Civic
2022 Honda Civic
$24,900 · $389/mo
2021 Toyota RAV4
2021 Toyota RAV4
$31,500 · $469/mo
Replaces: your dealership website, AutoTrader listings, DMS, CRM, deal desk software, and filing cabinets. One subscription. One login.
The platform

Everything in one place. Finally.

Tap "How it works" on any card for plain-English detail. No jargon.

Your dealership, your brand — powered by Yody
Yody is fully white-labelled. Buyers see your name, your colours, your domain. We're the engine underneath.
Pre-approved buyers delivered to your inventory
Yody's consumer app matches shoppers to your exact inventory — and sends them with financing already sorted.
AI that works like your best desk manager
Pricing recommendations, follow-up drafts, aged inventory alerts, and lead scoring — all automatic.
Digital deal jackets. Zero filing cabinets.
Every document from every deal — stored, searchable, retrievable in seconds. FINTRAC, bill of sale, the lot.
Finance built in, not bolted on
Submit credit apps to multiple lenders with one click. Approvals come back into the same deal jacket.
Add a vehicle in under 5 minutes
VIN decode auto-fills everything. A guided photo checklist creates consistent, professional listings every time.
What it replaces

One subscription. Seven bills gone.

Your DMS
CDK, Reynolds & Reynolds, PBS
Save $2,000–4,000/mo
Your CRM
VinSolutions, DealerSocket, Elead
Save $500–1,000/mo
Your listing platform
AutoTrader, Kijiji Autos
Save $800–2,000/mo
Your dealership website
Dealer Inspire, DealerFire, PureCars
Save $500–1,500/mo
DealerTrack / RouteOne
Credit app submission & lender routing
Save $300–600/mo
Your filing system
Paper deal jackets, off-site storage
Save 20+ hrs/mo labour
Your F&I desk software
MaximTrak, MenuVantage
Save $200–500/mo
Your follow-up tool
CallRevu, Podium, manual SMS
Save $300–600/mo
TradeRev / EBlock
Dealer-to-dealer vehicle auctions
Save $150–400/unit fees
For dealers

How a Yody buyer arrives at your store.

Pre-approved, matched to your inventory, and ready. Here's the full journey.

01
BUYER
Downloads Yody and builds a profile
Income, lifestyle preferences, must-haves. Takes 3 minutes. Done once, works at every enrolled dealer.
02
YODY
Issues a portable pre-approval
Bank-partnered financing, approved in minutes. Travels with the buyer like Shop Pay — ready to redeem anywhere.
03
YODY
Matches buyer to your inventory
AI surfaces your vehicles that fit their exact profile and budget. They see your stock because you're on the platform.
04
YOU
Receive a qualified, motivated lead
Name, phone, approval amount, and the specific vehicle they want. No cold traffic. No tire kickers.
05
BOTH
Close the deal in under an hour
Buyer arrives knowing their payment. Deal jacket closes digitally. Finance routes automatically.
AI insights

The platform thinks while your team sells.

Yody AI runs continuously in the background — surfacing exactly what each person needs to know, exactly when they need to know it. For buyers and dealers alike.

For buyers
Personalised match feed
The Yody app learns your preferences with every interaction — the vehicles you save, the ones you skip, how long you spend on each listing. Your match feed gets sharper every day.
Affordability reality check
AI translates sticker prices into plain language. It shows true cost of ownership — insurance estimates, fuel costs, historical reliability — so buyers make confident decisions, not anxious ones.
Market timing alerts
Yody monitors price drops on saved vehicles across all enrolled dealers. When a car you like drops below your threshold, you get a push notification before anyone else.
Negotiation intelligence
Before a buyer walks in, the app shows how long the vehicle has been listed, what similar units sold for recently, and a suggested fair offer range. Buyers arrive informed. Deals happen faster.
For dealers
Lead scoring, live
Every lead in your CRM gets a score from 0–100 updated in real time. Factors include approval amount vs. vehicle price, days since last contact, browsing behaviour, and appointment history. Your team knows exactly where to focus.
Inventory pricing intelligence
AI scans comparable listings across the market daily and tells you if your unit is priced to move or priced to sit. Aged inventory gets flagged automatically with a recommended price and the number of buyers it would unlock.
AI-drafted follow-ups
When a lead goes quiet, Yody drafts a context-aware follow-up — referencing the specific vehicle they looked at, how long it's been, and what's changed. Your advisor reviews and sends with one tap. Response rates are 3× higher than generic templates.
Predictive trade-up campaigns
Yody tracks loan maturity and vehicle equity across your entire customer database. When a past buyer hits the window where they can trade up with zero or positive equity, you get an alert and a pre-drafted outreach. Retention becomes automatic.
Live example: what the AI surfaces for a dealer this morning
"Your 2020 Elantra is 67 days old. 12 buyers in your market match it — 3 have pre-approvals above asking. Recommended price: $17,400. Dropping $1,500 will trigger buyer alerts and should move the unit within 7 days. Sarah K. viewed this listing twice this week — want to send a follow-up?"
Leasing suite

OEM programs, in-house leasing, and a new path
for newcomers to Canada — all in one platform.

Leasing is the most underserved transaction type in Canadian independent retail. Yody changes that with three connected capabilities.

Franchise dealers
OEM captive connectivity
Connect directly to Toyota Financial, Honda Financial, BMW Financial Services, and other OEM captive lenders. Pull live money factors, residual values, and program incentives into your desking tool. Quote accurate OEM lease payments alongside bank finance options — all in the same screen, no jumping between portals.
Live OEM rate & residual feeds
Lease vs. finance side-by-side desking
Incentive program tracking
Captive lender submission in one click
All dealers
In-house lease builder
For dealers who want to run their own lease programs — particularly independents who can't access OEM captives. Yody provides the full infrastructure: residual value calculation, money factor setting, amortization scheduling, end-of-lease option management, and lease portfolio tracking. No specialist required.
Residual & money factor calculator
Automated amortization schedules
End-of-lease workflow & inspection
Full portfolio dashboard & aging
Province-specific lease contract generation
Newcomers to Canada
Newcomer lease program
New Canadians often have strong financial histories in their home country but zero Canadian credit. Banks decline them. Traditional financing isn't an option. An in-house lease is the right product — and Yody makes it easy for any dealer to offer one confidently, with the right contract, the right documentation, and a clear path to ownership.
No Canadian credit history required
Guided lease setup for dealers unfamiliar with the structure
Multi-language document support
Credit-building pathway built in
12–24 month lease converts to purchase option
Newcomer opportunity
The fastest-growing buyer segment in Canada has no path to a vehicle. Until now.

Canada welcomed over 465,000 permanent residents in 2023. A significant portion arrive in BC and Ontario. Most have stable incomes, strong financial histories in their home country, and an immediate need for a vehicle — but zero Canadian credit history.

Every bank declines them. Most dealers don't know how to structure an in-house lease. The sale never happens. Yody's newcomer lease program gives dealers a guided, compliant way to serve this buyer with the right product on day one.

How it works — a newcomer deal
01
Buyer arrives with no Canadian credit
Recent immigrant, valid work permit or PR card, stable employment. Banks say no.
02
Dealer runs the Yody newcomer lease tool
Enters vehicle price, desired term, and down payment. Yody calculates the money factor, residual, and monthly payment. Suggests appropriate security deposit.
03
Guided contract generation
Province-specific lease agreement generated automatically. All required disclosures included. Dealer doesn't need to know lease law — Yody handles it.
04
Buyer builds Canadian credit
Payment history reported to Equifax and TransUnion. After 12–24 months, buyer has an established credit profile and can refinance or purchase their next vehicle the traditional way.
05
Dealer retains a loyal customer for life
The first person who gave them a chance in Canada. That relationship doesn't leave.
New category

Sell any vehicle. Even the ones banks won't touch.

Right now, dealers can't finance vehicles older than 12 model years or priced under $10,000. Those units sit. They age. They depreciate. They become a problem.

Yody Pay Later changes that entirely. Powered by installment financing — similar to how Clutch partnered with Affirm to handle negative equity — Yody offers BNPL-style payment plans for older and lower-value units that traditional lenders won't touch.

A buyer picks up a 2009 Honda Civic for $6,800. Instead of cash only, they pay $189/month over 36 months. The dealer gets paid in full on day one. The installment partner handles collections. You move the unit and generate F&I income on a car that previously had none.

Vehicles eligible
Any year, any price
Dealer gets paid
In full, day one
Typical term
12–48 months
Who collects
Installment partner
Yody Pay Later — Example Deal
2009 Honda Civic LX
Listed: $6,800 · Previously: cash only
Vehicle price$6,800
Down payment$500
Amount financed$6,300
Monthly payment$189/mo
Term36 months
Dealer receives$6,800 — day one
This deal previously would have been cash only — most buyers can't do that. Yody Pay Later opens this unit to the 90% of buyers who need monthly payments.
Also solves: negative equity on trade-ins
When a seller owes more than their car is worth, the deal is stuck. Yody Pay Later can finance the negative equity balance as a standalone installment plan — clearing the title, freeing the seller, and letting the deal move forward. Clutch proved this model works. Yody brings it directly inside the dealer platform.
Accepted at checkout
Apple Pay
Tap to pay
Google Pay
Android wallet
WeChat Pay
Chinese market
Interac e-Transfer
Canadian standard
Credit / Debit
All major cards
Bank transfer
ACH / EFT
Yody Payments vs. fragmented processing
Old way
Yody Payments
3–5 separate processors
One integration
Manual reconciliation
Auto-reconciled daily
Multiple statements
Single dashboard
Hidden processing fees
Transparent flat rate
No WeChat / Alipay
All methods included
Separate accounting exports
Native accounting sync
Like Shopify Payments

One payment system. Every method. Zero fragmentation.

Shopify Payments was the moment Shopify became indispensable. Merchants stopped duct-taping together Stripe, PayPal, and Square. One system handled everything — and accounting just worked.

Yody Payments does the same for dealers. Every method your customers actually use — Apple Pay, Google Pay, Interac, WeChat Pay for your Chinese-Canadian buyers, credit and debit — all accepted through one integration, reconciled daily, synced to your accounting automatically.

Deposits, down payments, accessories, F&I products — every dollar that flows through your store runs through one system. One statement. One dashboard. No month-end reconciliation nightmare.

Why WeChat Pay matters specifically
Greater Vancouver's Chinese-Canadian buyer segment is significant and underserved by most dealer payment systems. WeChat Pay and Alipay are the default payment method for millions of buyers in BC. Accepting them in-dealership removes a real friction point that competitors ignore. Yody Payments includes both.
Replaces TradeRev & EBlock

Every vehicle listed becomes a live auction.
Buyers and dealers bid in real time.

When a consumer lists their vehicle on Yody — whether as a trade-in or private sale — enrolled dealers get an exclusive 24–48 hour window to compete for it. The seller watches offers arrive in real time. The best offer wins. No middleman.

How it works — for the seller
01
List their vehicle in the Yody app
The seller enters their VIN, mileage, condition, and uploads the guided photo set. Takes 5 minutes. The listing is verified — VIN history check, lien search, basic condition flag.
02
Dealers get 24–48 hours exclusive access
All enrolled dealers in the seller's region are notified. They see the full listing, the vehicle history report, and the seller's asking price or trade-in expectation. This window is exclusive to Yody dealers — the car is not publicly listed yet.
03
Offers arrive in real time
The seller watches bids appear in their app as dealers submit them. Each offer shows the dealer name, the amount, and whether it's a trade-in offer, a cash purchase offer, or both. No waiting by the phone.
04
One re-bid if outbid
Each dealer gets one chance to revise their offer if a higher bid comes in from a competitor. This keeps the process efficient — no unlimited bidding war that wastes everyone's time — while still giving every dealer a fair shot at the best vehicle.
05
Seller accepts or the car goes public
If the seller accepts an offer, the deal moves into the Yody deal flow — either as a trade-in on their next vehicle or a private sale with payment processing handled in-platform. If no offer meets their expectation, the listing opens to the public Yody marketplace.
Your vehicle offers
Live · 31h left
2019 Toyota RAV4 · 87,400 km
Your asking price: $23,000
1
ABC MotorsTOP BID
Trade-in offer · 2 min ago
$22,800
2
Surrey Toyota
Cash purchase · 47 min ago
$21,500
3
North Shore Mazda
Trade-in offer · 3 hr ago
$20,900
How it works — for the dealer
Get notified of new vehicle listings in your acquisition area the moment they're submitted.
See the full vehicle history, condition report, and photos before submitting a bid — exactly like TradeRev, but the seller is right there.
Submit a trade-in offer, a cash purchase offer, or both. One re-bid allowed if a competitor tops you.
Win the vehicle? It flows directly into your Yody inventory — VIN decoded, photos imported, listing ready in one click.
Why this replaces TradeRev and EBlock
TradeRev and EBlock are dealer-to-dealer. Yody Bids is dealer-to-consumer — with no auction fee, no transport, and the vehicle already attached to a buyer relationship.
TradeRev / EBlock
Dealer-to-dealer only — consumer not involved
Auction fees per unit ($150–400)
Vehicle must be transported to buyer
No connection to incoming buyer demand
Standalone platform, separate login
Yody Bids
Dealer bids direct to the consumer
No auction fee — included in platform subscription
Vehicle stays with seller until deal closes
Bid data informs your incoming buyer matches
Built into the same platform you already use
The consumer wins most
Sees every offer in real time — full transparency
No pressure tactics, no single dealer visit required
Best offer wins, not best salesperson
Vehicle history already verified before bidding
If no offer lands, goes public — nothing lost
Security & trust

Built so a CDK-style breach is impossible.

CDK was one lock on 15,000 doors. Yody gives every dealer their own lock — isolated at the database level, not just in policy.

Your data is yours alone
Dealer data is isolated using row-level security enforced by the database engine itself. Architecturally impossible for one dealer's data to appear in another's view — not a policy, a technical guarantee.
No centralized breach target
Serverless cloud infrastructure and a Cloudflare Web Application Firewall. There are no persistent servers sitting exposed with open ports — the attack surface that brought down CDK simply doesn't exist here.
Encrypted everywhere, always
All data encrypted at rest (AES-256) and in transit (TLS 1.3). Sensitive fields like SIN numbers and credit data get an additional application-level encryption layer — readable only by the authorized dealer.
Annual independent security audit
SOC 2 Type II audits conducted by an independent third party. Audit report available to any dealer on request. Compliant with PIPEDA and built to the upcoming CPPA standard.
The marketplace is fair by design
The algorithm that matches buyers to inventory is transparent and published. No hidden weighting that favours dealers who pay more. Paid placement is clearly labelled. Your inventory competes on match quality.
Competitor data stays invisible
Market benchmarks require a minimum of 10 dealers before surfacing. Impossible to reverse-engineer a specific competitor's numbers. You see your data and market context. Nothing else.
Finance partners
TD Bank
RBC
Scotiabank
CIBC
National Bank
General Bank
Early access

Be among the first dealers to run on Yody.

Early access dealers get locked-in pricing, zero setup fees, and dedicated onboarding support. We're starting with a limited number of dealers in the Greater Vancouver area.

No commitment. No credit card. We'll reach out within 48 hours.
No setup fee
5-day onboarding
Cancel any time
No long-term contracts
FAQ

Questions dealers ask us.

The way Canadians buy cars
is changing.
Be ready.

Shopify didn't ask merchants to trust them — they made it obvious that the merchants who joined first won. The dealers who onboard with Yody early will have the inventory, the data, and the buyer relationships before anyone else.