Quote client

Review the selected credit union and issue coverage requests. Issued coverage entries sync across users.

Select a credit union to start a quote.

Menu Presentation

Build a member-facing payment illustration by combining the auto loan terms with warranty coverage selections.

Select a credit union to start an illustration.

Loan details

Send coverage request (Baycel Federal Credit Union)

Capture the loan ID and member contact details, then send the menu options directly through Podium. Member replies with 1, 2, or 3 to confirm coverage. Any other response should be reviewed in Podium and tracked as Check Podium.

Podium routing is fixed for all requests (configured location UID and member phone destination).

Coverage request payload

Read-only JSON preview of the Podium request.


            

Review the coverage combinations and payment impacts before sending the request.

VIN decode

Enter a VIN to decode vehicle details.

Maintain the VSC/GAP markups and MOB coverage rates used for menu presentations.

MOB coverage setup

Choose the primary MOB program for this credit union.

Choose single/joint or blended rates before entering MOB pricing.

Rates are applied monthly to the remaining balance for MOB coverage.

VSC pricing inputs

GAP pricing inputs

Stored per credit union as the baseline GAP price.

Term extensions

Allow members to extend their loan term when they add protection products.

Protection Options

Review coverage combinations and monthly payment scenarios.

Coverage Selection

Coverage combinations

Every available bundle is shown below so members can see the monthly payment impact of each option.

MOB coverage

Monthly premiums are calculated per $1,000 of remaining balance and decline over time.

Set the default program in Menu Pricing.

Rate tier follows the credit union setup.

Standard term

Base loan

No coverage add-ons

Monthly payment
Added per month
Total financed

VSC bundle

Vehicle service contract

Monthly payment
Added per month
Total financed

GAP bundle

Guaranteed asset protection

Monthly payment
Added per month
Total financed

Payment quote summary

Base monthly payment
MOB premium (month 1)
MOB premium (avg)
Month 1 payment with MOB

Quote snapshots

Save and reopen menu presentation scenarios for this credit union.