Co-Buyer`s Process in TDC

Co-buyers have their own separate Buyer Portal independent form the Primary Buyer`s Portal.

Step #1 Add a Co-Buyer to the Existing Transaction 

The dealer`s staff can add co-buyers to transactions via the dashboard, and consumers can invite co-buyers inside the buyer portal. 

Step #2 Co-Buyer Log into the EXISTING transaction and goes through the onboarding flow. 

Co-buyers always log into EXISTING transactions on the kiosk (using their own email), and go through their onboarding flow. 

Co-Buyer`s Onboarding flow:

Part I:

• Capturing Driver`s License
• Capturing Communication Consent
• Capturing Test-Drive  Acknowledgement

Part II:

Capturing the image of themselves

Part III:

Prequalification Application. 

Step #3 Co-Buyer Submits Credit Application.

1. Log Into the existing transaction (the co-buyer`s email)

2. Click "Let`s Go" inside the Buyer Portal. 

Step# 4 Push Both Credit Applications to the Lending Portal.

When a co-buyer is involved in the transaction, submitting both credit applications (for primary buy and co-buyer ) is necessary to push the  data to Dealer Track and Route 1.

Step #5 E-Sign Pre-Purchase Forms.

Primary buyer and co-buyer log into their own portals (with their own email address), and go though their own e-signing ceremonies (independent from one another)

Step #6 E-Sign Post-Purchase forms. 

Primary buyer and co-buyer log into their own portals (with their own email address), and go though their own e-signing ceremonies (independent from one another)