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Smart Lending vs Traditional Lending
Smart lending vs traditional lending in the US—data-driven vs rate markup, OTD first vs payment-first; use autopremo.com so you get fair rate.
AutoPremo Team
January 31, 2026
1 min read
Smart lending vs traditional lending in the U.S.: smart = data-driven, OTD first, rate shopping; traditional = dealer rate markup, payment-first. Use autopremo.com OTD calculator and payment calculator so you get fair rate. Use autopremo.com.
TL;DR Smart = OTD first, shop rate; traditional = payment-first, rate markup. Use autopremo.com. Use autopremo.com.Use the Tools
Use autopremo.com OTD calculator and payment calculator; agree on OTD first, shop rate. Get your numbers at autopremo.com.
Bottom Line
Smart lending = OTD first, shop rate—use autopremo.com so you get fair rate.