F&I (Finance & Insurance)
F&I is the finance and insurance department of an automotive dealership. Learn what F&I managers do, what products they sell, and how to track F&I override decisions.
F&I stands for Finance and Insurance, the department within an auto dealership responsible for arranging customer financing and presenting a menu of ancillary products after the vehicle sale price is agreed upon. The F&I manager (also called a business manager) works with lenders to secure customer financing (earning dealer reserve on rate markups) and sells products including extended warranties (VSC), GAP insurance, tire and wheel protection, paint/fabric protection, and prepaid maintenance. F&I profit is called back-end gross and can represent $1,500–$2,500+ per vehicle retailed for high-performing stores.
Category: Finance
Override exposure calculator
How much gross could untracked overrides be costing your store?
Drag the slider to match your average retail units per month. DealerInt customers typically see override leakage drop 30–50% in the first 90 days once every decision requires a reason and shows up on the GM's dashboard.
Est. monthly leakage
$16,800
Est. annual leakage
$201,600
Based on observed override patterns across DealerInt stores. Actual results vary; this is meant to make the invisible cost visible.
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