Kaia Auto Loan
Origination through collections intelligence that protects borrowers and lenders.
From loan application through account resolution, Kaia Auto Loan manages the complete lending lifecycle with CFPB compliance. Every servicer correction trains the model to triage accounts more accurately.
Full Lifecycle
Every stage of auto lending, powered by intelligence.
Application
Loan application intake, identity verification, and documentation collection.
Underwriting
Credit analysis, risk scoring, deal structuring, and approval decision.
Servicing
Payment processing, escrow management, and account maintenance.
Collections
Delinquency management, loss mitigation, and regulatory-compliant recovery.
Classification
Four categories. Borrower-first compliance.
Past-due account documents — late payment notices, collections correspondence, repossession orders, or deficiency balance communications.
Loan modification requests, hardship applications, payment plan proposals, or deferment requests requiring underwriting review.
Routine servicing documents — payment confirmations, account statements, insurance verifications, or title releases.
Regulatory complaints (CFPB, state AG), legal disputes, fraud allegations, or documents requiring senior management review.
The Learning Loop
Every correction makes the system smarter.
AI Classifies
Upload a servicing document. The Intelligence Engine analyzes it for delinquency, modification eligibility, and regulatory compliance.
Servicer Corrects
Loan servicers review classifications. If the AI misrouted a hardship request or missed a CFPB flag, they correct it.
System Learns
Each correction improves triage accuracy. SCRA protections, state-specific requirements, and modification patterns compound into better servicing.
Auto Loan Differentiator
CFPB-compliant from intake to resolution.
Auto lending is the CFPB's second-most-complained-about industry. Kaia Auto Loan ensures every borrower communication, modification request, and complaint is triaged within regulatory timelines.
CFPB
Complaint Escalation
CFPB complaints automatically classified as ESCALATED with mandatory routing to compliance. No regulatory complaint goes unnoticed.
SCRA
Military Protections
Servicemembers Civil Relief Act documents automatically escalated. Interest rate caps, repossession protections, and deployment accommodations enforced.
60d
Delinquency Threshold
Accounts crossing 60-day past-due automatically classified as DELINQUENT with collections routing and modification outreach triggers.
Explore Other Verticals
Same Intelligence Engine. Different industries.
See it work. Right now.
Classify an auto loan document. Correct the AI. Watch the learning loop in real time.