SMART Payment Plan Surpasses $5 Billion of Bill Payments
SMART Payment Plan has transmitted more than $5 billion of consumer bill payments.

SMART Payment Plan has transmitted more than $5 billion of consumer bill payments.
AUSTIN – SMART Payment Plan has transmitted more than $5 billion of consumer bill payments. SMART Payment Plan helps Americans match lower and easier automated loan and bill payments to their paydays. SMART provides point-of-sale technology that allows automotive dealers to offer lower, more affordable payments to their customers.
Our focus on making things simple and serving customers and dealers with exceptional service has delivered a win-win for car buyers and automotive dealers.
“Our lower, easier, and more affordable loan and bill payments that match American’s paydays are more popular than ever,” said CEO David Engelman. SMART’s lower and easier payments have been offered by over 3,300 automotive dealers nationwide to help car buyers more easily afford vehicles and ancillary products. “Our focus on making things simple and serving customers and dealers with exceptional service has delivered a win-win for car buyers and automotive dealers,” said Engelman.
SMART attributes it success to a large and expanding Agent base. “We currently have more than 40 agents and several Agencies that distribute SMART nationwide. Everybody wins when customers can afford more vehicles and ancillary products,” said Engelman.
More F&I

Just Do It
F&I managers need training, but instead of resisting application or expecting perfection, they should improve by simply acting on what they learn.
Read More →
Dealer Lender Preferences Revealed
When lenders provide consistent, fast service, their overall satisfaction scores with dealers greatly improve, according to JD Power research.
Read More →
Leading with Purpose
In this video, Trent White explains how understanding your people’s 'why' is a key leadership responsibility of F&I professionals and how that mindset drives dealership engagement, trust and performance.
Read More →
Integrating Nontraditional F&I Products
The niche presents a strategic advantage for auto dealerships as they move to adapt to fast-changing consumer expectations in today’s market.
Read More →
Trust Is Personal
Technology, no matter how efficient, can’t replace what the human F&I manager can do, which is to bridge the divide between cyberspace and the in-store experience.
Read More →
Amplify 2026 Billed as Turning Innovation Into Results
Reynolds and Reynolds says its annual retail summit will connect dealers with practical strategies, peer insight, and technology-driven ideas.
Read More →
Own Your Outcome: F&I in the Digital Customer Journey
Finance has historically been the last step in the car-buying process, but it doesn’t have to be. The customer’s journey starts long before they arrive at the dealership, and so should F&I’s involvement.
Read More →
Tariffs Could Raise Insurance Premiums
As U.S. import tariffs affect repair costs, consumers might find it more affordable to replace a damaged vehicle, according to recent Insurify tariff analysis.
Read More →
Smaller Loans, Longer Terms
The youngest generation of car buyers is more likely to finance less expensive vehicles, more than half of generation Z consumers borrowing less than $25,000.
Read More →
New Lifetime Battery F&I Product Meant to Drive Dealer Traffic
EFG Cos. offering is intended to create lifetime auto dealer engagement with customers.
Read More →