Software as a service (SAAS) services featuring software for automobile dealership, namely, for customer acquisition; providing dealership analysis tools for consumer application processing; consumer scoring and decisioning; vehicle inventory management, default mitigation services, electronic contracting services, paperless contracting with third-party administrators for ancillary products, dealership portfolio analysis tools, vehicle valuation tools for dealerships; application service provider featuring application programming interface (API) software services for automated consumer scoring and decisioning, extending consumer loan contract servicing by personnel and consumer loan collections processing to others