- F&I
- Virtual F&I
Lead the Market with Virtual F&I
Seize every growth opportunity by seamlessly facilitating online F&I transactions with Virtual F&I, a process designed to give you the flexibility to match virtual experiences with human touchpoints along the way. Serve your customers exactly how they prefer, supported by a partner with robust data on the latest trends and hundreds of F&I experts in your corner.

Elevate Your F&I Success
Dealers embracing JM&A Group's Virtual F&I On-Demand saw transformative results in just 90 days.
69%
PVR increase
104%
PPD improvement
In this sample of stores that adopted our Virtual F&I On-Demand sales model, where our team delivered deals on behalf of these dealerships, the following benefits across key product lines were seen in three months.
These results highlight the power of a Virtual F&I On-Demand strategy, enabling dealerships to meet customer needs from anywhere while driving significant revenue growth.
- 14% increase in Vehicle Service Contract penetration
- 10% increase in Pre-paid Maintenance penetration
- 16% increase in GAP penetration
- 14% increase in Road Hazard Tire and Wheel Penetration
*Data reflects findings from leading dealers. Based on deal mix, your results may vary.

EBOOK
An Introduction to Virtual F&I
Learn how to increase F&I revenue, streamline the purchasing process, and improve customer experience with the essential guide to Virtual F&I.
Implement Virtual F&I that Works for You
On-Demand F&I
Our skilled agents will deliver F&I deals virtually while representing your dealership. This is ideal for instances when a salesperson has completed their portion of the deal, but an F&I Manager isn't available at the store.
Centralized F&I
Streamline operations and enhance your efficiencies by taking Virtual F&I operations in-house and enable your F&I Managers at one store to support other stores remotely, or establish a central Virtual F&I office out of a single location.
How Dealers Sell F&I Online
Over 500 dealerships nationwide are using our process today to sell F&I products to their customers any time, anywhere — all while maintaining or growing PVR, PPD and CSI.
Put F&I Front and Center
Provide the same customized, personal experience for your customers online as you would in-store. It starts with making sure your products are well represented on your website so customers can do their research and make educated decisions on F&I just as they would with their vehicle purchase.

Connect to Your Customers
Gain new opportunities for profitability without a big investment. With Virtual F&I, you can use your existing technology and teams to seamlessly integrate into your sales process. Engage with your customers how they prefer while creating a consistent dealership experience — it’s a win-win.
Virtual F&I is the Experience Car Buyers Prefer
Customers who prefer Virtual F&I to their last F&I experience | |
Increase in customer satisfaction with the buying process | |
Customers who feel less pressured in a virtual environment |
Our partners are ready for the future
"JM&A was very thorough in the implementation of Virtual F&I. We worked together to build a process that would work for our organization. F&I has always been a painpoint in the dealership and Virtual F&I is the way to support those challenges when we don't have enough people on site"
Bill Baker
Trusted by nearly 4,000 dealerships of all sizes nationwide
While JM&A Group can assist you with setting up a virtual F&I process, JM&A cannot provide legal advice regarding state-specific regulatory requirements relating to the online selling process. Please consult your dealer counsel and dealer association for information on your state's regulatory requirements.
*Stats Source: JM&A Group survey of Virtual F&I customers