For Lenders

Pre-qualified borrowers, complete applications, pay only when loans fund.

Lend where the buyers already are. Every application arrives with verified car data — VIN, valuation, fraud score, comparables — and applicant financials. Underwriting-ready, the moment it lands.

890KPre-approvals / mo
94%Application completeness
11 minMedian decision data-readiness
0Upfront cost

Referral Economics · Fully Transparent

You pay only on funded loans. Nothing else, ever.

No listing fees. No seat fees. No integration charges. A flat referral fee per funded loan, published for everyone to see — including borrowers.

🇦🇪UAE referral fee — by principal band

Funded principalReferral fee
Principal up to AED 50,000AED 500 per funded loan
AED 50,001 – 150,000AED 1,000 per funded loan
Above AED 150,000AED 1,500 per funded loan

Funded means funded. Fees accrue on verified disbursement — an approval that never draws down costs you nothing.

🇨🇦Canada referral fee

C$150 – 400 per funded loan, scaled by principal. Same rule: no funding, no fee.

What we never charge lenders:
No listing fees · No seat fees · No pay-for-placement · No data access charges
Lenders pay CarWorld a referral fee when a loan funds. It never affects your rate — offers are ranked by total cost to the borrower, always.Shown to every borrower, on every application

What You Receive Per Referral

Not a lead. A complete, underwriting-ready file.

94% of applications arrive complete. Your credit team opens a file, not a chase list.

Applicant identity

Government ID verified — Emirates ID (UAE) or provincial ID + SIN check (Canada).

Income & employment

Stated income, employer, tenure — cross-checked against salary-transfer signals where consented.

Consented credit-pull authorization

Signed, timestamped authorization so your bureau pull is compliant from minute one.

Full vehicle file

VIN, year/make/model/trim, odometer with forensics status, market valuation + comparables, fraud score, accident & title history.

Requested structure

Requested amount, term, and down payment — pre-shaped to your published max LTV.

Lender Onboarding

Three steps. Live within two business days.

Tell us who you are, what you lend, and how you want to settle. Compliance does the rest.

1Institution
2Products & Terms
3Payout & Review

Step 1 — Institution

Markets

Lender Questions

The three questions every credit team asks.

No. Offers are ranked exclusively by total cost to the borrower — APR, fees, and early-settlement terms combined. Referral fee size has zero weight in ranking. A lender paying us less can outrank a lender paying us more, every day of the week. That is the whole point.