Interest rate & refinance mailers that turn savings into appointments
What is an interest rate mailer?
A better rate, on paper, in their mailbox
Targets rate-eligible drivers
Shows the better rate
Firm-offer compliant
Timed to rate moves
Returns as a worked lead
Rate & refinance mailer questions
What is an interest rate or refinance mailer?
Credit-based direct mail sent to drivers whose credit suggests they’d qualify for a better rate than they carry now. Each recipient is prescreened by a soft inquiry against your criteria and mailed a personalized Firm Offer of Credit to refinance or trade into a lower rate.
Who receives it?
Owners whose credit standing indicates they could improve their rate — built from bureau prescreen data to the credit criteria you set, not a blanket mailing to a ZIP code.
Does it affect the customer's credit score?
No. The screening is a soft inquiry, which doesn’t affect the consumer’s credit score, and no Social Security number is required to be mailed the offer.
Can it be a refinance or a trade offer?
Both. You can position the offer as a refinance of the current vehicle or a trade into a new one at a better rate — whichever fits your desk and inventory.
How do I measure it?
Match-back attribution ties responders and sales to the mailed file, and the same record loads to your CRM so your BDC follows up with the exact people who received the offer.
Does a refinance offer require a hard credit pull?
The mailer itself is a Firm Offer of Credit delivered on a soft inquiry, so reaching the customer never touches their score. A hard inquiry only happens later, if the customer decides to apply.
How is the estimated rate on the mailer determined?
It is an estimate based on the recipient’s prescreened credit tier and current market rates, shown as an example offer. The final rate is confirmed when they come in and apply.