The LOANIFY solution advances lenders directly approved automobile funding AND provides all auto shoppers with a mobile centered innovation which drives a faster, easier auto buying experience. Today, the traditional auto buying experience is evolving as digital retail models are being integrated into franchise automobile dealerships, addressing consumers demand for limited exposure to sales personnel and general convenience. This evolution lifts "directly approved" auto loan funding opportunities for credit unions and banks as digital retail allows for bypassing dealership indirect loan placement process.