REFI CANDIDATES, DELIVERED DAILY
FOR LENDERS & CREDIT UNIONS
Refi borrowers who already want out
Borrowers post their balance, their APR, and their credit range — with a statement to prove it — and ask someone to beat it. Refinance the loan without buying a single cold lead.
$100/month flat · unlimited offers · no per-lead fees · cancel anytime
What you see before you bid
Not a name and a phone number. The whole picture.
The rate to beat — with a statement
Current lender, exact APR, and outstanding balance, backed by a photo of their loan statement.
Self-reported credit band
From 750+ down to below 600, so you can screen for your credit box before spending a minute on the file.
Loan size up front
The outstanding balance is on the listing, so you know whether the deal clears your minimum before you engage.
A borrower who is actively shopping
They uploaded a statement to invite better offers. That is intent no purchased list can match.
From listing to customer in four steps
A borrower posts their loan
Balance, APR, and credit band, with a statement attached as proof.
You screen the file
Credit band, loan size, and current rate — everything you need to know if it fits your box.
Offer a better APR
Send your rate. The borrower gets a push notification and an email immediately.
Fund the loan
They accept, you get their contact details, and you run your normal application process.
Why this beats buying leads
Lead-gen charges you for a phone number and sells it to your competitors anyway.
ONE PLAN. EVERY CATEGORY.
$100/month
- Unlimited offers to lenders and credit unions’ customers — and all four categories
- Full listing detail: documents, photos, and AI price context
- Owners notified by push and email the moment you bid
- Contact details the instant your offer is accepted
- Browse free before you subscribe · cancel anytime
Questions
Is the loan information verified?+
Every financing listing requires a photo of a current loan statement or bill before it can be posted, showing the balance and rate the borrower claims.
Do you run credit?+
No. The credit range shown is self-reported by the borrower for screening purposes. You run your own underwriting once they accept your offer.
What does it cost per funded loan?+
Nothing. CarTek is $100/month flat with no per-lead, per-offer, or success fees of any kind.
How fast do borrowers respond?+
They are notified by push notification and email the second your offer lands, and most listings are only days old.
Your next customer is already asking.
Join CarTek and start sending offers today.
Start refinancing loans